Call reports 2015
NORTH STATE BANK — 2015
What NORTH STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 734,349,000 | 752,368,000 | 741,347,000 | 746,660,000 |
| Total loans | 606,178,000 | 606,797,000 | 606,194,000 | 634,688,000 |
| Allowance for loan losses | 6,696,000 | 6,063,000 | 5,892,000 | 6,039,000 |
| Securities available for sale | 0 | 0 | 0 | 28,967,000 |
| Securities held to maturity | 33,410,000 | 32,477,000 | 31,052,000 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 665,418,000 | 682,433,000 | 671,862,000 | 678,467,000 |
| Interest-bearing deposits | 441,975,000 | 454,379,000 | 452,318,000 | 450,693,000 |
| Noninterest-bearing deposits | 223,443,000 | 228,054,000 | 219,544,000 | 227,774,000 |
| Equity capital | 64,494,000 | 65,283,000 | 65,945,000 | 65,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,285,000 | 12,811,000 | 19,348,000 | 26,041,000 |
| Interest expense | 271,000 | 544,000 | 822,000 | 1,093,000 |
| Net interest income | 6,014,000 | 12,267,000 | 18,526,000 | 24,948,000 |
| Noninterest income | 3,288,000 | 5,523,000 | 8,358,000 | 10,553,000 |
| Noninterest expense | 6,858,000 | 14,080,000 | 20,723,000 | 28,217,000 |
| Provision for loan losses | -6,000 | -725,000 | -947,000 | -768,000 |
| Pretax income | 2,450,000 | 4,435,000 | 7,108,000 | 8,052,000 |
| Income tax | 863,000 | 1,558,000 | 2,566,000 | 4,320,000 |
| Net income | 1,587,000 | 2,877,000 | 4,542,000 | 3,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,355,000 | 65,144,000 | 65,809,000 | 64,988,000 |
| Total capital | 71,051,000 | 71,207,000 | 71,701,000 | 71,027,000 |
| Risk-weighted assets | 552,996,000 | 559,291,000 | 570,625,000 | 586,803,000 |