Call reports 2007
NATIONAL BANK AND TRUST COMPANY, THE — 2007
What NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 546,311,000 | 541,133,000 | 528,262,000 | 518,109,000 |
| Total loans | 402,280,000 | 384,983,000 | 374,128,000 | 359,265,000 |
| Allowance for loan losses | 4,613,000 | 3,994,000 | 3,824,000 | 3,594,000 |
| Securities available for sale | 79,104,000 | 79,573,000 | 86,705,000 | 89,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,597,000 | 449,619,000 | 434,111,000 | 426,901,000 |
| Interest-bearing deposits | 390,201,000 | 391,167,000 | 375,304,000 | 360,501,000 |
| Noninterest-bearing deposits | 62,396,000 | 58,452,000 | 58,807,000 | 66,400,000 |
| Equity capital | 59,723,000 | 60,860,000 | 62,460,000 | 60,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,016,000 | 16,644,000 | 24,870,000 | 32,947,000 |
| Interest expense | 3,451,000 | 6,934,000 | 10,390,000 | 13,532,000 |
| Net interest income | 4,565,000 | 9,710,000 | 14,480,000 | 19,415,000 |
| Noninterest income | 2,010,000 | 4,046,000 | 6,047,000 | 7,959,000 |
| Noninterest expense | 5,105,000 | 10,295,000 | 15,578,000 | 20,828,000 |
| Provision for loan losses | 5,000 | 150,000 | 180,000 | 135,000 |
| Pretax income | 1,465,000 | 3,311,000 | 4,769,000 | 6,411,000 |
| Income tax | 335,000 | 800,000 | 1,138,000 | 1,537,000 |
| Net income | 1,130,000 | 2,511,000 | 3,631,000 | 4,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,340,000 | 55,846,000 | 57,083,000 | 55,144,000 |
| Total capital | 58,954,000 | 59,840,000 | 60,907,000 | 58,738,000 |
| Risk-weighted assets | 405,010,000 | 391,453,000 | 385,403,000 | 373,372,000 |