Call reports 2009
NANTAHALA BANK & TRUST COMPANY — 2009
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 199,175,000 | 221,372,000 | 215,452,000 | 213,705,000 |
| Total loans | 170,328,000 | 170,509,000 | 168,065,000 | 165,524,000 |
| Allowance for loan losses | 2,296,000 | 2,292,000 | 2,600,000 | 2,227,000 |
| Securities available for sale | 19,778,000 | 38,129,000 | 37,122,000 | 36,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,027,000 | 175,374,000 | 173,462,000 | 174,741,000 |
| Interest-bearing deposits | 165,344,000 | 164,372,000 | 162,825,000 | 162,813,000 |
| Noninterest-bearing deposits | 10,683,000 | 11,002,000 | 10,637,000 | 11,928,000 |
| Equity capital | 16,296,000 | 15,888,000 | 15,422,000 | 14,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,832,000 | 5,730,000 | 8,652,000 | 11,502,000 |
| Interest expense | 1,365,000 | 2,768,000 | 4,078,000 | 5,313,000 |
| Net interest income | 1,467,000 | 2,962,000 | 4,574,000 | 6,189,000 |
| Noninterest income | 180,000 | 311,000 | 414,000 | 655,000 |
| Noninterest expense | 1,566,000 | 3,243,000 | 5,258,000 | 6,974,000 |
| Provision for loan losses | 551,000 | 749,000 | 1,307,000 | 3,539,000 |
| Pretax income | -470,000 | -551,000 | -1,409,000 | -3,443,000 |
| Income tax | -551,000 | -551,000 | -551,000 | 0 |
| Net income | 81,000 | 0 | -858,000 | -3,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,564,000 | 15,484,000 | 14,326,000 | 13,968,000 |
| Total capital | 18,172,000 | 22,070,000 | 20,967,000 | 20,600,000 |
| Risk-weighted assets | 175,737,000 | 177,968,000 | 172,343,000 | 172,006,000 |