Call reports 2025
NATIONAL EXCHANGE BANK AND TRUST — 2025
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,950,502,000 | 2,887,103,000 | 2,919,051,000 | 2,920,038,000 |
| Total loans | 1,669,840,000 | 1,681,606,000 | 1,688,235,000 | 1,713,537,000 |
| Allowance for loan losses | 48,591,000 | 48,568,000 | 49,366,000 | 51,352,000 |
| Securities available for sale | 1,067,625,000 | 1,045,782,000 | 1,057,815,000 | 1,050,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,392,693,000 | 2,325,642,000 | 2,321,022,000 | 2,301,942,000 |
| Interest-bearing deposits | 1,795,155,000 | 1,735,793,000 | 1,717,036,000 | 1,688,957,000 |
| Noninterest-bearing deposits | 597,538,000 | 589,849,000 | 603,986,000 | 612,985,000 |
| Equity capital | 506,021,000 | 521,760,000 | 541,752,000 | 554,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 36,430,000 | 73,574,000 | 112,463,000 | 151,947,000 |
| Interest expense | 11,973,000 | 23,935,000 | 35,592,000 | 46,523,000 |
| Net interest income | 24,457,000 | 49,639,000 | 76,871,000 | 105,424,000 |
| Noninterest income | 4,298,000 | 8,188,000 | 11,983,000 | 15,798,000 |
| Noninterest expense | 14,104,000 | 28,152,000 | 42,820,000 | 56,826,000 |
| Provision for loan losses | 1,850,000 | 3,650,000 | 4,400,000 | 6,150,000 |
| Pretax income | 12,795,000 | 26,018,000 | 41,155,000 | 54,725,000 |
| Income tax | 2,677,000 | 5,593,000 | 8,531,000 | 11,016,000 |
| Net income | 10,118,000 | 20,425,000 | 32,624,000 | 43,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 538,581,000 | 549,007,000 | 561,327,000 | 567,533,000 |