Call reports 2005
NATIONAL BANK AND TRUST COMPANY, THE — 2005
What NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 651,895,000 | 646,601,000 | 652,788,000 | 649,858,000 |
| Total loans | 400,540,000 | 408,875,000 | 413,869,000 | 417,623,000 |
| Allowance for loan losses | 4,118,000 | 4,067,000 | 4,073,000 | 4,058,000 |
| Securities available for sale | 176,667,000 | 180,529,000 | 176,154,000 | 171,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,586,000 | 450,549,000 | 452,103,000 | 456,284,000 |
| Interest-bearing deposits | 394,403,000 | 392,454,000 | 392,517,000 | 387,987,000 |
| Noninterest-bearing deposits | 62,183,000 | 58,095,000 | 59,586,000 | 68,297,000 |
| Equity capital | 59,476,000 | 61,588,000 | 61,924,000 | 58,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,893,000 | 16,061,000 | 24,360,000 | 32,886,000 |
| Interest expense | 3,010,000 | 6,144,000 | 9,550,000 | 13,206,000 |
| Net interest income | 4,883,000 | 9,917,000 | 14,810,000 | 19,680,000 |
| Noninterest income | 2,116,000 | 4,210,000 | 6,221,000 | 8,160,000 |
| Noninterest expense | 5,286,000 | 10,776,000 | 16,379,000 | 21,689,000 |
| Provision for loan losses | 75,000 | 200,000 | 475,000 | 775,000 |
| Pretax income | 1,638,000 | 3,158,000 | 4,197,000 | 5,477,000 |
| Income tax | 371,000 | 696,000 | 866,000 | 1,139,000 |
| Net income | 1,267,000 | 2,462,000 | 3,331,000 | 4,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,707,000 | 54,863,000 | 56,105,000 | 52,781,000 |
| Total capital | 57,825,000 | 58,930,000 | 60,178,000 | 56,839,000 |
| Risk-weighted assets | 420,635,000 | 428,624,000 | 431,035,000 | 433,257,000 |