Call reports 2006
NANTAHALA BANK & TRUST COMPANY — 2006
What NANTAHALA BANK & TRUST COMPANY 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 | 85,026,000 | 101,829,000 | 109,778,000 | 118,330,000 |
| Total loans | 60,914,000 | 78,843,000 | 93,920,000 | 104,561,000 |
| Allowance for loan losses | 766,000 | 980,000 | 1,153,000 | 1,307,000 |
| Securities available for sale | 5,183,000 | 6,599,000 | 6,922,000 | 9,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,309,000 | 91,897,000 | 98,964,000 | 104,697,000 |
| Interest-bearing deposits | 66,696,000 | 81,395,000 | 88,371,000 | 94,637,000 |
| Noninterest-bearing deposits | 8,613,000 | 10,502,000 | 10,593,000 | 10,060,000 |
| Equity capital | 8,171,000 | 9,063,000 | 10,328,000 | 11,322,000 |
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 | 1,248,000 | 2,908,000 | 4,945,000 | 7,180,000 |
| Interest expense | 554,000 | 1,364,000 | 2,406,000 | 3,496,000 |
| Net interest income | 694,000 | 1,544,000 | 2,539,000 | 3,684,000 |
| Noninterest income | 88,000 | 224,000 | 369,000 | 527,000 |
| Noninterest expense | 760,000 | 1,710,000 | 2,618,000 | 3,672,000 |
| Provision for loan losses | 197,000 | 426,000 | 599,000 | 753,000 |
| Pretax income | -175,000 | -368,000 | -309,000 | -214,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -175,000 | -368,000 | -309,000 | -214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,171,000 | 9,192,000 | 10,364,000 | 11,350,000 |
| Total capital | 8,937,000 | 10,172,000 | 11,517,000 | 12,657,000 |
| Risk-weighted assets | 65,592,000 | 90,214,000 | 98,073,000 | 112,784,000 |
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