Call reports 2005
NANTAHALA BANK & TRUST COMPANY — 2005
What NANTAHALA BANK & TRUST COMPANY 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 | 24,770,000 | 35,811,000 | 46,122,000 | 66,064,000 |
| Total loans | 16,630,000 | 28,148,000 | 37,733,000 | 45,537,000 |
| Allowance for loan losses | 207,000 | 347,000 | 472,000 | 569,000 |
| Securities available for sale | 0 | 0 | 745,000 | 2,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,411,000 | 26,895,000 | 37,569,000 | 57,600,000 |
| Interest-bearing deposits | 12,958,000 | 22,708,000 | 32,455,000 | 52,315,000 |
| Noninterest-bearing deposits | 2,453,000 | 4,187,000 | 5,114,000 | 5,285,000 |
| Equity capital | 8,711,000 | 8,580,000 | 8,480,000 | 8,347,000 |
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 | 297,000 | 820,000 | 1,386,000 | 2,300,000 |
| Interest expense | 56,000 | 178,000 | 396,000 | 768,000 |
| Net interest income | 241,000 | 642,000 | 990,000 | 1,532,000 |
| Noninterest income | 4,000 | 12,000 | 203,000 | 291,000 |
| Noninterest expense | 448,000 | 981,000 | 1,496,000 | 2,142,000 |
| Provision for loan losses | 158,000 | 298,000 | 423,000 | 521,000 |
| Pretax income | -361,000 | -625,000 | -726,000 | -840,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -361,000 | -625,000 | -726,000 | -840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,711,000 | 8,580,000 | 8,480,000 | 8,367,000 |
| Total capital | 8,918,000 | 8,909,000 | 8,950,000 | 8,936,000 |
| Risk-weighted assets | 17,640,000 | 25,569,000 | 36,831,000 | 45,752,000 |
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