Call reports 2020
NANTAHALA BANK & TRUST COMPANY — 2020
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 159,760,000 | 177,974,000 | 192,198,000 | 198,196,000 |
| Total loans | 114,223,000 | 126,783,000 | 128,073,000 | 125,731,000 |
| Allowance for loan losses | 1,240,000 | 1,273,000 | 1,308,000 | 1,361,000 |
| Securities available for sale | 12,688,000 | 17,637,000 | 18,924,000 | 19,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,073,000 | 154,418,000 | 168,481,000 | 178,710,000 |
| Interest-bearing deposits | 99,051,000 | 105,725,000 | 114,828,000 | 120,556,000 |
| Noninterest-bearing deposits | 36,022,000 | 48,693,000 | 53,653,000 | 58,154,000 |
| Equity capital | 13,062,000 | 12,918,000 | 12,947,000 | 13,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,098,000 | 4,712,000 | 6,571,000 |
| Interest expense | 304,000 | 564,000 | 788,000 | 1,079,000 |
| Net interest income | 1,244,000 | 2,534,000 | 3,924,000 | 5,492,000 |
| Noninterest income | 36,000 | 0 | 196,000 | 169,000 |
| Noninterest expense | 1,385,000 | 2,729,000 | 4,241,000 | 5,647,000 |
| Provision for loan losses | 37,000 | 75,000 | 112,000 | 150,000 |
| Pretax income | 62,000 | -66,000 | -26,000 | 85,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | -66,000 | -26,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,031,000 | 12,918,000 | 12,947,000 | 13,055,000 |
| Total capital | 14,271,000 | 14,191,000 | 14,255,000 | 14,416,000 |
| Risk-weighted assets | 120,525,000 | 122,475,000 | 120,536,000 | 126,080,000 |