Call reports 2016
NANTAHALA BANK & TRUST COMPANY — 2016
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 147,461,000 | 147,946,000 | 155,718,000 | 156,224,000 |
| Total loans | 96,426,000 | 97,703,000 | 98,985,000 | 101,023,000 |
| Allowance for loan losses | 1,388,000 | 1,229,000 | 1,256,000 | 1,327,000 |
| Securities available for sale | 18,865,000 | 20,991,000 | 25,605,000 | 24,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,891,000 | 125,344,000 | 133,066,000 | 134,256,000 |
| Interest-bearing deposits | 103,385,000 | 102,946,000 | 110,799,000 | 112,185,000 |
| Noninterest-bearing deposits | 21,506,000 | 22,398,000 | 22,267,000 | 22,071,000 |
| Equity capital | 8,171,000 | 8,276,000 | 8,349,000 | 7,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,209,000 | 2,456,000 | 3,741,000 | 5,033,000 |
| Interest expense | 211,000 | 423,000 | 653,000 | 878,000 |
| Net interest income | 998,000 | 2,033,000 | 3,088,000 | 4,155,000 |
| Noninterest income | 209,000 | 408,000 | 672,000 | 834,000 |
| Noninterest expense | 1,241,000 | 2,475,000 | 3,712,000 | 5,028,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | 41,000 | 149,000 | 62,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 13,000 | 41,000 | 149,000 | 62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,056,000 | 8,085,000 | 8,195,000 | 8,110,000 |
| Total capital | 9,910,000 | 9,780,000 | 9,917,000 | 9,903,000 |
| Risk-weighted assets | 113,928,000 | 114,885,000 | 117,522,000 | 118,852,000 |