Call reports 2008
NANTAHALA BANK & TRUST COMPANY — 2008
What NANTAHALA BANK & TRUST COMPANY 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 | 173,087,000 | 190,591,000 | 197,733,000 | 195,584,000 |
| Total loans | 145,917,000 | 161,854,000 | 166,380,000 | 168,955,000 |
| Allowance for loan losses | 1,822,000 | 1,791,000 | 1,748,000 | 2,116,000 |
| Securities available for sale | 18,867,000 | 19,653,000 | 21,465,000 | 16,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,907,000 | 163,681,000 | 173,475,000 | 176,631,000 |
| Interest-bearing deposits | 133,375,000 | 152,219,000 | 161,713,000 | 165,420,000 |
| Noninterest-bearing deposits | 11,532,000 | 11,462,000 | 11,762,000 | 11,211,000 |
| Equity capital | 16,044,000 | 15,898,000 | 16,152,000 | 16,113,000 |
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 | 2,849,000 | 5,768,000 | 8,810,000 | 11,738,000 |
| Interest expense | 1,447,000 | 2,907,000 | 4,444,000 | 5,946,000 |
| Net interest income | 1,402,000 | 2,861,000 | 4,366,000 | 5,792,000 |
| Noninterest income | 179,000 | 395,000 | 559,000 | 711,000 |
| Noninterest expense | 1,467,000 | 2,969,000 | 4,312,000 | 6,181,000 |
| Provision for loan losses | 165,000 | 282,000 | 610,000 | 1,079,000 |
| Pretax income | -51,000 | 5,000 | 7,000 | -640,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -51,000 | 5,000 | 7,000 | -640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,891,000 | 15,958,000 | 16,208,000 | 16,056,000 |
| Total capital | 17,713,000 | 17,750,000 | 17,956,000 | 18,172,000 |
| Risk-weighted assets | 154,797,000 | 172,300,000 | 175,449,000 | 176,699,000 |
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