Call reports 2012
NANTAHALA BANK & TRUST COMPANY — 2012
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 175,388,000 | 165,352,000 | 161,582,000 | 161,758,000 |
| Total loans | 118,580,000 | 115,727,000 | 111,004,000 | 107,509,000 |
| Allowance for loan losses | 2,938,000 | 3,010,000 | 2,807,000 | 2,728,000 |
| Securities available for sale | 21,343,000 | 21,135,000 | 19,395,000 | 14,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,397,000 | 140,138,000 | 137,834,000 | 138,454,000 |
| Interest-bearing deposits | 134,383,000 | 125,447,000 | 123,474,000 | 123,916,000 |
| Noninterest-bearing deposits | 14,014,000 | 14,691,000 | 14,360,000 | 14,538,000 |
| Equity capital | 9,038,000 | 10,093,000 | 9,427,000 | 9,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,293,000 | 5,158,000 | 6,654,000 |
| Interest expense | 503,000 | 935,000 | 1,298,000 | 1,650,000 |
| Net interest income | 1,191,000 | 2,358,000 | 3,860,000 | 5,004,000 |
| Noninterest income | -159,000 | -606,000 | -808,000 | -934,000 |
| Noninterest expense | 1,485,000 | 3,043,000 | 4,722,000 | 6,232,000 |
| Provision for loan losses | 0 | 339,000 | 644,000 | 644,000 |
| Pretax income | -302,000 | -1,478,000 | -2,161,000 | -2,525,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -302,000 | -1,478,000 | -2,161,000 | -2,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,748,000 | 9,594,000 | 9,152,000 | 8,802,000 |
| Total capital | 11,345,000 | 12,132,000 | 11,667,000 | 11,247,000 |
| Risk-weighted assets | 137,588,000 | 132,738,000 | 131,079,000 | 125,495,000 |