Call reports 2014
NANTAHALA BANK & TRUST COMPANY — 2014
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 153,917,000 | 153,957,000 | 151,564,000 | 150,476,000 |
| Total loans | 98,682,000 | 97,864,000 | 95,522,000 | 95,557,000 |
| Allowance for loan losses | 2,268,000 | 2,117,000 | 1,971,000 | 1,990,000 |
| Securities available for sale | 16,445,000 | 16,933,000 | 16,850,000 | 20,937,000 |
| Securities held to maturity | 4,522,000 | 4,532,000 | 4,542,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,460,000 | 132,260,000 | 130,625,000 | 129,272,000 |
| Interest-bearing deposits | 116,346,000 | 112,733,000 | 110,374,000 | 109,392,000 |
| Noninterest-bearing deposits | 17,114,000 | 19,527,000 | 20,251,000 | 19,880,000 |
| Equity capital | 7,248,000 | 7,368,000 | 7,401,000 | 7,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,367,000 | 2,724,000 | 4,024,000 | 5,328,000 |
| Interest expense | 284,000 | 560,000 | 834,000 | 1,103,000 |
| Net interest income | 1,083,000 | 2,164,000 | 3,190,000 | 4,225,000 |
| Noninterest income | 193,000 | 536,000 | 862,000 | 1,085,000 |
| Noninterest expense | 1,394,000 | 2,776,000 | 4,114,000 | 5,521,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -118,000 | -73,000 | -59,000 | 38,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -118,000 | -73,000 | -59,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,283,000 | 7,338,000 | 7,363,000 | 7,471,000 |
| Total capital | 9,598,000 | 9,468,000 | 9,466,000 | 9,572,000 |
| Risk-weighted assets | 115,449,000 | 114,513,000 | 112,482,000 | 112,320,000 |