Call reports 2004
NORTH STATE BANK — 2004
What NORTH STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 281,248,000 | 284,516,000 | 298,414,000 | 309,148,000 |
| Total loans | 197,680,000 | 211,331,000 | 230,914,000 | 244,620,000 |
| Allowance for loan losses | 2,491,000 | 2,630,000 | 2,842,000 | 3,053,000 |
| Securities available for sale | 38,146,000 | 36,684,000 | 35,474,000 | 35,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,615,000 | 247,310,000 | 256,673,000 | 269,342,000 |
| Interest-bearing deposits | 162,156,000 | 175,292,000 | 183,174,000 | 195,594,000 |
| Noninterest-bearing deposits | 76,459,000 | 72,018,000 | 73,499,000 | 73,748,000 |
| Equity capital | 22,752,000 | 22,635,000 | 23,417,000 | 23,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,740,000 | 5,636,000 | 8,895,000 | 12,572,000 |
| Interest expense | 900,000 | 1,810,000 | 2,796,000 | 3,955,000 |
| Net interest income | 1,840,000 | 3,826,000 | 6,099,000 | 8,617,000 |
| Noninterest income | 213,000 | 463,000 | 775,000 | 1,056,000 |
| Noninterest expense | 1,437,000 | 2,932,000 | 4,538,000 | 6,364,000 |
| Provision for loan losses | 221,000 | 405,000 | 689,000 | 920,000 |
| Pretax income | 395,000 | 952,000 | 1,647,000 | 2,389,000 |
| Income tax | 148,000 | 337,000 | 580,000 | 838,000 |
| Net income | 247,000 | 615,000 | 1,067,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,725,000 | 23,097,000 | 23,549,000 | 23,865,000 |
| Total capital | 25,216,000 | 25,727,000 | 26,392,000 | 26,918,000 |
| Risk-weighted assets | 201,245,000 | 211,044,000 | 230,417,000 | 244,644,000 |
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