Call reports 2008
NORTH STATE BANK — 2008
What NORTH STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 571,128,000 | 631,542,000 | 632,681,000 | 687,000,000 |
| Total loans | 500,669,000 | 534,595,000 | 539,474,000 | 546,357,000 |
| Allowance for loan losses | 5,444,000 | 5,321,000 | 6,004,000 | 6,376,000 |
| Securities available for sale | 30,679,000 | 26,996,000 | 24,346,000 | 36,406,000 |
| Securities held to maturity | 0 | 0 | 750,000 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,064,000 | 530,880,000 | 558,923,000 | 613,026,000 |
| Interest-bearing deposits | 392,422,000 | 459,206,000 | 482,725,000 | 526,406,000 |
| Noninterest-bearing deposits | 101,642,000 | 71,674,000 | 76,199,000 | 86,620,000 |
| Equity capital | 47,730,000 | 48,075,000 | 49,250,000 | 50,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,012,000 | 17,932,000 | 27,198,000 | 36,316,000 |
| Interest expense | 3,888,000 | 7,340,000 | 11,016,000 | 14,965,000 |
| Net interest income | 5,124,000 | 10,592,000 | 16,182,000 | 21,351,000 |
| Noninterest income | 266,000 | 505,000 | 761,000 | 929,000 |
| Noninterest expense | 3,665,000 | 7,479,000 | 11,351,000 | 14,695,000 |
| Provision for loan losses | 426,000 | 1,097,000 | 1,874,000 | 2,755,000 |
| Pretax income | 1,299,000 | 2,516,000 | 3,713,000 | 4,837,000 |
| Income tax | 485,000 | 930,000 | 1,408,000 | 1,854,000 |
| Net income | 814,000 | 1,586,000 | 2,305,000 | 2,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,434,000 | 47,245,000 | 48,345,000 | 49,060,000 |
| Total capital | 51,878,000 | 62,316,000 | 65,349,000 | 66,436,000 |
| Risk-weighted assets | 500,536,000 | 542,183,000 | 544,699,000 | 554,147,000 |
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