Call reports 2023
NATIONAL EXCHANGE BANK AND TRUST — 2023
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,689,368,000 | 2,726,831,000 | 2,692,427,000 | 2,786,163,000 |
| Total loans | 1,641,907,000 | 1,696,101,000 | 1,664,626,000 | 1,692,622,000 |
| Allowance for loan losses | 46,834,000 | 47,830,000 | 48,225,000 | 52,166,000 |
| Securities available for sale | 842,785,000 | 800,032,000 | 745,950,000 | 808,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,165,891,000 | 2,162,251,000 | 2,143,980,000 | 2,204,049,000 |
| Interest-bearing deposits | 1,697,837,000 | 1,712,165,000 | 1,712,364,000 | 1,750,836,000 |
| Noninterest-bearing deposits | 468,054,000 | 450,086,000 | 431,616,000 | 453,213,000 |
| Equity capital | 410,846,000 | 417,979,000 | 419,844,000 | 450,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 30,282,000 | 62,543,000 | 97,281,000 | 132,105,000 |
| Interest expense | 6,858,000 | 15,623,000 | 26,429,000 | 37,610,000 |
| Net interest income | 23,424,000 | 46,920,000 | 70,852,000 | 94,495,000 |
| Noninterest income | 3,269,000 | 6,768,000 | 10,288,000 | 17,155,000 |
| Noninterest expense | 12,653,000 | 25,740,000 | 39,451,000 | 53,878,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,400,000 | 5,050,000 |
| Pretax income | 13,740,000 | 27,220,000 | 39,079,000 | 51,512,000 |
| Income tax | 3,506,000 | 6,977,000 | 8,702,000 | 11,428,000 |
| Net income | 10,234,000 | 20,243,000 | 30,377,000 | 40,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 463,411,000 | 473,575,000 | 483,865,000 | 493,744,000 |
| Total capital | 490,798,000 | — | — | — |
| Risk-weighted assets | 2,169,537,000 | — | — | — |
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