Call reports 2007
NORTH STATE BANK — 2007
What NORTH STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 478,349,000 | 503,512,000 | 488,530,000 | 547,008,000 |
| Total loans | 365,646,000 | 387,154,000 | 412,893,000 | 469,228,000 |
| Allowance for loan losses | 3,894,000 | 4,103,000 | 4,358,000 | 5,020,000 |
| Securities available for sale | 39,009,000 | 40,341,000 | 37,950,000 | 34,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,908,000 | 454,156,000 | 434,536,000 | 458,409,000 |
| Interest-bearing deposits | 314,831,000 | 326,574,000 | 339,330,000 | 363,620,000 |
| Noninterest-bearing deposits | 114,077,000 | 127,582,000 | 95,206,000 | 94,788,000 |
| Equity capital | 34,042,000 | 35,689,000 | 38,782,000 | 44,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,574,000 | 15,510,000 | 23,942,000 | 32,825,000 |
| Interest expense | 3,395,000 | 6,897,000 | 10,649,000 | 14,725,000 |
| Net interest income | 4,179,000 | 8,613,000 | 13,293,000 | 18,100,000 |
| Noninterest income | 217,000 | 497,000 | 767,000 | 1,010,000 |
| Noninterest expense | 2,882,000 | 5,800,000 | 8,783,000 | 11,920,000 |
| Provision for loan losses | 211,000 | 422,000 | 677,000 | 1,339,000 |
| Pretax income | 1,303,000 | 2,888,000 | 4,600,000 | 5,851,000 |
| Income tax | 433,000 | 997,000 | 1,571,000 | 1,956,000 |
| Net income | 870,000 | 1,891,000 | 3,029,000 | 3,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,196,000 | 36,217,000 | 38,754,000 | 43,620,000 |
| Total capital | 38,091,000 | 40,320,000 | 43,112,000 | 48,640,000 |
| Risk-weighted assets | 376,537,000 | 400,786,000 | 417,593,000 | 471,527,000 |
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