Call reports 2003
NATIONAL BANK AND TRUST COMPANY, THE — 2003
What NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 705,932,000 | 691,018,000 | 681,349,000 | 663,909,000 |
| Total loans | 392,365,000 | 403,129,000 | 407,758,000 | 409,821,000 |
| Allowance for loan losses | 4,123,000 | 4,058,000 | 4,545,000 | 4,830,000 |
| Securities available for sale | 202,714,000 | 177,834,000 | 168,423,000 | 153,110,000 |
| Securities held to maturity | 41,327,000 | 40,121,000 | 38,687,000 | 38,681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 493,914,000 | 476,702,000 | 462,747,000 | 457,448,000 |
| Interest-bearing deposits | 434,888,000 | 419,953,000 | 407,342,000 | 393,773,000 |
| Noninterest-bearing deposits | 59,026,000 | 56,749,000 | 55,405,000 | 63,675,000 |
| Equity capital | 59,066,000 | 60,694,000 | 60,535,000 | 58,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,285,000 | 18,176,000 | 26,457,000 | 34,842,000 |
| Interest expense | 3,550,000 | 6,985,000 | 10,064,000 | 12,968,000 |
| Net interest income | 5,735,000 | 11,191,000 | 16,393,000 | 21,874,000 |
| Noninterest income | 2,063,000 | 4,361,000 | 6,485,000 | 9,398,000 |
| Noninterest expense | 5,719,000 | 11,168,000 | 16,297,000 | 23,287,000 |
| Provision for loan losses | 540,000 | 1,027,000 | 2,316,000 | 3,919,000 |
| Pretax income | 2,085,000 | 4,264,000 | 5,172,000 | 4,981,000 |
| Income tax | 421,000 | 969,000 | 1,048,000 | 762,000 |
| Net income | 1,664,000 | 3,295,000 | 4,124,000 | 4,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,443,000 | 52,083,000 | 53,090,000 | 50,862,000 |
| Total capital | 54,566,000 | 56,141,000 | 57,635,000 | 55,692,000 |
| Risk-weighted assets | 422,389,000 | 429,280,000 | 429,716,000 | 424,973,000 |