Call reports 2011
NANTAHALA BANK & TRUST COMPANY — 2011
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 181,803,000 | 177,583,000 | 184,948,000 | 176,580,000 |
| Total loans | 132,131,000 | 126,972,000 | 125,109,000 | 123,546,000 |
| Allowance for loan losses | 3,616,000 | 3,571,000 | 3,765,000 | 3,724,000 |
| Securities available for sale | 21,079,000 | 21,180,000 | 26,224,000 | 26,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,760,000 | 153,285,000 | 160,113,000 | 153,953,000 |
| Interest-bearing deposits | 146,971,000 | 140,322,000 | 146,002,000 | 140,530,000 |
| Noninterest-bearing deposits | 11,789,000 | 12,963,000 | 14,111,000 | 13,423,000 |
| Equity capital | 11,774,000 | 11,157,000 | 10,196,000 | 9,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 3,844,000 | 5,686,000 | 7,452,000 |
| Interest expense | 676,000 | 1,302,000 | 1,877,000 | 2,423,000 |
| Net interest income | 1,283,000 | 2,542,000 | 3,809,000 | 5,029,000 |
| Noninterest income | -81,000 | -173,000 | -814,000 | -1,313,000 |
| Noninterest expense | 1,656,000 | 3,210,000 | 4,754,000 | 6,309,000 |
| Provision for loan losses | -442,000 | 162,000 | 515,000 | 515,000 |
| Pretax income | 33,000 | -960,000 | -1,994,000 | -2,828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 33,000 | -960,000 | -1,994,000 | -2,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,925,000 | 10,931,000 | 9,897,000 | 9,048,000 |
| Total capital | 14,631,000 | 13,623,000 | 12,540,000 | 11,652,000 |
| Risk-weighted assets | 145,710,000 | 144,645,000 | 140,509,000 | 137,356,000 |