Call reports 2004
NATIONAL BANK AND TRUST COMPANY, THE — 2004
What NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 671,764,000 | 649,207,000 | 644,704,000 | 643,742,000 |
| Total loans | 413,771,000 | 411,288,000 | 408,260,000 | 402,839,000 |
| Allowance for loan losses | 4,740,000 | 4,681,000 | 4,544,000 | 4,212,000 |
| Securities available for sale | 155,821,000 | 141,840,000 | 173,592,000 | 169,745,000 |
| Securities held to maturity | 38,176,000 | 38,160,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,185,000 | 438,948,000 | 444,661,000 | 459,124,000 |
| Interest-bearing deposits | 399,227,000 | 384,266,000 | 388,939,000 | 394,191,000 |
| Noninterest-bearing deposits | 61,958,000 | 54,682,000 | 55,722,000 | 64,933,000 |
| Equity capital | 60,130,000 | 59,091,000 | 62,580,000 | 59,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,120,000 | 16,116,000 | 24,042,000 | 32,135,000 |
| Interest expense | 2,852,000 | 5,691,000 | 8,563,000 | 11,492,000 |
| Net interest income | 5,268,000 | 10,425,000 | 15,479,000 | 20,643,000 |
| Noninterest income | 2,084,000 | 4,186,000 | 6,487,000 | 8,300,000 |
| Noninterest expense | 5,561,000 | 10,671,000 | 16,137,000 | 21,375,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,900,000 |
| Pretax income | 1,868,000 | 3,567,000 | 5,068,000 | 6,455,000 |
| Income tax | 417,000 | 826,000 | 1,130,000 | 1,403,000 |
| Net income | 1,451,000 | 2,741,000 | 3,938,000 | 5,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,472,000 | 53,933,000 | 54,675,000 | 52,476,000 |
| Total capital | 57,212,000 | 58,614,000 | 59,219,000 | 56,688,000 |
| Risk-weighted assets | 433,878,000 | 432,764,000 | 427,589,000 | 421,134,000 |