Call reports 2007
NANTAHALA BANK & TRUST COMPANY — 2007
What NANTAHALA BANK & TRUST COMPANY 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 | 129,424,000 | 138,814,000 | 147,257,000 | 156,647,000 |
| Total loans | 110,331,000 | 117,389,000 | 125,119,000 | 133,095,000 |
| Allowance for loan losses | 1,376,000 | 1,464,000 | 1,559,000 | 1,657,000 |
| Securities available for sale | 9,908,000 | 11,264,000 | 15,417,000 | 15,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,846,000 | 120,596,000 | 126,621,000 | 134,961,000 |
| Interest-bearing deposits | 102,064,000 | 108,396,000 | 116,218,000 | 121,972,000 |
| Noninterest-bearing deposits | 11,782,000 | 12,200,000 | 10,403,000 | 12,990,000 |
| Equity capital | 13,225,000 | 15,339,000 | 15,710,000 | 15,969,000 |
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 | 2,339,000 | 4,917,000 | 7,674,000 | 10,572,000 |
| Interest expense | 1,189,000 | 2,454,000 | 3,816,000 | 5,290,000 |
| Net interest income | 1,150,000 | 2,463,000 | 3,858,000 | 5,282,000 |
| Noninterest income | 135,000 | 273,000 | 446,000 | 586,000 |
| Noninterest expense | 1,056,000 | 2,200,000 | 3,448,000 | 4,802,000 |
| Provision for loan losses | 69,000 | 158,000 | 257,000 | 358,000 |
| Pretax income | 160,000 | 378,000 | 599,000 | 729,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 378,000 | 599,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,255,000 | 15,541,000 | 15,758,000 | 15,916,000 |
| Total capital | 14,631,000 | 17,005,000 | 17,317,000 | 17,573,000 |
| Risk-weighted assets | 120,576,000 | 126,683,000 | 133,066,000 | 140,549,000 |
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