Call reports 2008
NATIONAL BANK AND TRUST COMPANY, THE — 2008
What NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 528,836,000 | 526,139,000 | 524,045,000 | 523,956,000 |
| Total loans | 341,921,000 | 344,329,000 | 351,550,000 | 336,184,000 |
| Allowance for loan losses | 3,533,000 | 3,534,000 | 3,563,000 | 3,411,000 |
| Securities available for sale | 89,311,000 | 90,906,000 | 87,803,000 | 87,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,117,000 | 427,509,000 | 424,605,000 | 428,136,000 |
| Interest-bearing deposits | 366,197,000 | 365,473,000 | 356,249,000 | 354,790,000 |
| Noninterest-bearing deposits | 64,920,000 | 62,036,000 | 68,356,000 | 73,346,000 |
| Equity capital | 62,221,000 | 62,492,000 | 63,154,000 | 60,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,491,000 | 14,704,000 | 21,818,000 | 28,829,000 |
| Interest expense | 2,854,000 | 5,331,000 | 7,558,000 | 9,624,000 |
| Net interest income | 4,637,000 | 9,373,000 | 14,260,000 | 19,205,000 |
| Noninterest income | 2,256,000 | 4,252,000 | 6,224,000 | 8,049,000 |
| Noninterest expense | 5,346,000 | 10,769,000 | 16,075,000 | 21,414,000 |
| Provision for loan losses | 95,000 | 190,000 | 295,000 | 400,000 |
| Pretax income | 1,452,000 | 2,677,000 | 4,129,000 | 5,455,000 |
| Income tax | 346,000 | 621,000 | 961,000 | 1,264,000 |
| Net income | 1,106,000 | 2,056,000 | 3,168,000 | 4,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,334,000 | 57,377,000 | 58,582,000 | 56,078,000 |
| Total capital | 59,868,000 | 60,911,000 | 62,145,000 | 59,489,000 |
| Risk-weighted assets | 362,526,000 | 363,155,000 | 366,181,000 | 357,102,000 |