Call reports 2015
NANTAHALA BANK & TRUST COMPANY — 2015
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 148,942,000 | 147,454,000 | 146,627,000 | 147,365,000 |
| Total loans | 97,071,000 | 95,395,000 | 96,512,000 | 95,205,000 |
| Allowance for loan losses | 1,917,000 | 1,442,000 | 1,417,000 | 1,432,000 |
| Securities available for sale | 19,062,000 | 19,604,000 | 19,251,000 | 22,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,671,000 | 127,408,000 | 125,540,000 | 126,712,000 |
| Interest-bearing deposits | 108,887,000 | 105,680,000 | 102,841,000 | 104,725,000 |
| Noninterest-bearing deposits | 19,784,000 | 21,728,000 | 22,699,000 | 21,987,000 |
| Equity capital | 7,530,000 | 8,143,000 | 8,376,000 | 8,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,216,000 | 2,441,000 | 3,675,000 | 4,920,000 |
| Interest expense | 255,000 | 435,000 | 623,000 | 827,000 |
| Net interest income | 961,000 | 2,006,000 | 3,052,000 | 4,093,000 |
| Noninterest income | 203,000 | 903,000 | 1,139,000 | 1,253,000 |
| Noninterest expense | 1,341,000 | 2,690,000 | 3,958,000 | 5,330,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -149,000 | 294,000 | 309,000 | 92,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -149,000 | 294,000 | 309,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,333,000 | 8,158,000 | 8,260,000 | 8,043,000 |
| Total capital | 9,481,000 | 10,075,000 | 10,143,000 | 9,925,000 |
| Risk-weighted assets | 116,186,000 | 115,446,000 | 115,567,000 | 113,294,000 |