Call reports 2010
NANTAHALA BANK & TRUST COMPANY — 2010
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 206,707,000 | 205,165,000 | 197,922,000 | 189,957,000 |
| Total loans | 161,451,000 | 156,415,000 | 145,469,000 | 138,820,000 |
| Allowance for loan losses | 3,553,000 | 4,100,000 | 4,151,000 | 4,100,000 |
| Securities available for sale | 35,424,000 | 33,993,000 | 31,347,000 | 25,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,225,000 | 182,895,000 | 175,191,000 | 166,844,000 |
| Interest-bearing deposits | 164,745,000 | 168,800,000 | 163,540,000 | 155,462,000 |
| Noninterest-bearing deposits | 12,480,000 | 14,095,000 | 11,651,000 | 11,382,000 |
| Equity capital | 11,988,000 | 9,694,000 | 11,254,000 | 11,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,541,000 | 4,984,000 | 7,171,000 | 9,246,000 |
| Interest expense | 1,068,000 | 2,085,000 | 3,024,000 | 3,762,000 |
| Net interest income | 1,473,000 | 2,899,000 | 4,147,000 | 5,484,000 |
| Noninterest income | 147,000 | -185,000 | -443,000 | -319,000 |
| Noninterest expense | 1,669,000 | 3,425,000 | 5,474,000 | 7,230,000 |
| Provision for loan losses | 2,517,000 | 4,449,000 | 5,840,000 | 6,080,000 |
| Pretax income | -2,558,000 | -4,931,000 | -7,380,000 | -7,704,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,558,000 | -4,931,000 | -7,380,000 | -7,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,410,000 | 9,037,000 | 10,541,000 | 11,805,000 |
| Total capital | 18,005,000 | 15,595,000 | 13,784,000 | 14,588,000 |
| Risk-weighted assets | 167,682,000 | 164,169,000 | 155,893,000 | 151,494,000 |