Call reports 2020
NATIONAL EXCHANGE BANK AND TRUST — 2020
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,089,096,000 | 2,304,864,000 | 2,360,323,000 | 2,480,601,000 |
| Total loans | 1,305,424,000 | 1,419,105,000 | 1,370,888,000 | 1,274,320,000 |
| Allowance for loan losses | 32,660,000 | 35,518,000 | 33,892,000 | 36,517,000 |
| Securities available for sale | 528,955,000 | 536,170,000 | 568,616,000 | 605,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,614,693,000 | 1,754,400,000 | 1,829,967,000 | 1,972,488,000 |
| Interest-bearing deposits | 1,294,554,000 | 1,380,470,000 | 1,424,157,000 | 1,532,364,000 |
| Noninterest-bearing deposits | 320,139,000 | 373,930,000 | 405,810,000 | 440,124,000 |
| Equity capital | 408,155,000 | 420,439,000 | 425,065,000 | 424,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 20,169,000 | 42,389,000 | 59,733,000 | 76,111,000 |
| Interest expense | 2,049,000 | 2,952,000 | 3,662,000 | 4,282,000 |
| Net interest income | 18,120,000 | 39,437,000 | 56,071,000 | 71,829,000 |
| Noninterest income | 3,492,000 | 8,221,000 | 12,895,000 | 18,209,000 |
| Noninterest expense | 12,884,000 | 25,073,000 | 34,431,000 | 53,329,000 |
| Provision for loan losses | 2,000,000 | 7,750,000 | 15,700,000 | 17,400,000 |
| Pretax income | 7,693,000 | 15,771,000 | 19,769,000 | 20,243,000 |
| Income tax | 1,965,000 | 3,764,000 | 4,474,000 | 5,540,000 |
| Net income | 5,728,000 | 12,007,000 | 15,295,000 | 14,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 387,296,000 | 393,824,000 | 397,362,000 | 403,711,000 |
| Total capital | 408,789,000 | 415,462,000 | 418,279,000 | — |
| Risk-weighted assets | 1,708,257,000 | 1,717,143,000 | 1,660,367,000 | — |