Call reports 2025
NANTAHALA BANK & TRUST COMPANY — 2025
What NANTAHALA BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 264,012,000 | 268,194,000 | 280,448,000 | 279,950,000 |
| Total loans | 187,399,000 | 191,047,000 | 192,730,000 | 195,327,000 |
| Allowance for loan losses | 1,995,000 | 1,941,000 | 1,941,000 | 1,932,000 |
| Securities available for sale | 10,768,000 | 15,324,000 | 24,737,000 | 30,047,000 |
| Securities held to maturity | 36,186,000 | 35,592,000 | 27,509,000 | 26,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,331,000 | 244,129,000 | 255,040,000 | 253,364,000 |
| Interest-bearing deposits | 163,235,000 | 167,590,000 | 173,839,000 | 175,110,000 |
| Noninterest-bearing deposits | 77,096,000 | 76,539,000 | 81,201,000 | 78,254,000 |
| Equity capital | 22,484,000 | 23,254,000 | 24,510,000 | 25,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,363,000 | 6,875,000 | 10,676,000 | 14,564,000 |
| Interest expense | 863,000 | 1,702,000 | 2,566,000 | 3,423,000 |
| Net interest income | 2,500,000 | 5,173,000 | 8,110,000 | 11,141,000 |
| Noninterest income | 377,000 | 774,000 | 1,210,000 | 1,712,000 |
| Noninterest expense | 2,048,000 | 4,102,000 | 6,272,000 | 8,558,000 |
| Provision for loan losses | -31,000 | -100,000 | -100,000 | -100,000 |
| Pretax income | 860,000 | 1,945,000 | 3,148,000 | 4,452,000 |
| Income tax | 201,000 | 454,000 | 734,000 | 1,039,000 |
| Net income | 659,000 | 1,491,000 | 2,414,000 | 3,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,550,000 | 21,635,000 | 22,867,000 | 24,213,000 |
| Total capital | 22,654,000 | 23,685,000 | 24,917,000 | 26,197,000 |
| Risk-weighted assets | 170,685,000 | 173,570,000 | 177,479,000 | 182,205,000 |