Call reports 2006
NATIONAL BANK AND TRUST COMPANY, THE — 2006
What NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 632,272,000 | 631,457,000 | 569,095,000 | 554,000,000 |
| Total loans | 424,947,000 | 427,877,000 | 427,797,000 | 410,365,000 |
| Allowance for loan losses | 4,493,000 | 4,641,000 | 4,741,000 | 4,762,000 |
| Securities available for sale | 149,239,000 | 142,077,000 | 84,050,000 | 82,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,331,000 | 475,750,000 | 465,099,000 | 459,745,000 |
| Interest-bearing deposits | 420,873,000 | 414,648,000 | 406,166,000 | 386,827,000 |
| Noninterest-bearing deposits | 60,458,000 | 61,102,000 | 58,933,000 | 72,918,000 |
| Equity capital | 57,601,000 | 58,225,000 | 59,728,000 | 58,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,539,000 | 17,139,000 | 25,804,000 | 34,095,000 |
| Interest expense | 3,775,000 | 7,675,000 | 11,590,000 | 15,081,000 |
| Net interest income | 4,764,000 | 9,464,000 | 14,214,000 | 19,014,000 |
| Noninterest income | 2,108,000 | 4,136,000 | 6,125,000 | 9,134,000 |
| Noninterest expense | 6,713,000 | 12,210,000 | 17,660,000 | 23,048,000 |
| Provision for loan losses | 610,000 | 880,000 | 1,150,000 | 1,330,000 |
| Pretax income | -601,000 | 360,000 | 187,000 | 2,428,000 |
| Income tax | -377,000 | -224,000 | -439,000 | 150,000 |
| Net income | -224,000 | 584,000 | 626,000 | 2,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,725,000 | 53,696,000 | 53,901,000 | 53,092,000 |
| Total capital | 57,218,000 | 58,337,000 | 58,642,000 | 57,855,000 |
| Risk-weighted assets | 435,133,000 | 439,286,000 | 450,294,000 | 411,707,000 |