Call reports 2025
NORTH STATE BANK — 2025
What NORTH STATE BANK 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 | 1,435,137,000 | 1,381,263,000 | 1,370,265,000 | 1,383,343,000 |
| Total loans | 1,167,319,000 | 1,171,417,000 | 1,158,525,000 | 1,159,988,000 |
| Allowance for loan losses | 7,761,000 | 8,266,000 | 7,828,000 | 7,459,000 |
| Securities available for sale | 5,199,000 | 4,868,000 | 4,930,000 | 4,885,000 |
| Securities held to maturity | 49,828,000 | 48,980,000 | 49,482,000 | 48,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,205,337,000 | 1,149,924,000 | 1,134,779,000 | 1,148,901,000 |
| Interest-bearing deposits | 780,093,000 | 751,957,000 | 753,986,000 | 765,283,000 |
| Noninterest-bearing deposits | 425,244,000 | 397,967,000 | 380,793,000 | 383,618,000 |
| Equity capital | 116,651,000 | 117,905,000 | 120,338,000 | 121,921,000 |
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 | 17,701,000 | 35,913,000 | 54,890,000 | 72,823,000 |
| Interest expense | 5,234,000 | 10,454,000 | 15,660,000 | 20,788,000 |
| Net interest income | 12,467,000 | 25,459,000 | 39,230,000 | 52,035,000 |
| Noninterest income | 1,991,000 | 4,322,000 | 7,573,000 | 10,353,000 |
| Noninterest expense | 11,802,000 | 23,918,000 | 37,873,000 | 48,967,000 |
| Provision for loan losses | 150,000 | 653,000 | 300,000 | 97,000 |
| Pretax income | 2,512,000 | 5,270,000 | 8,670,000 | 13,381,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,512,000 | 5,270,000 | 8,670,000 | 13,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,452,000 | 117,655,000 | 119,912,000 | 121,575,000 |
| Total capital | 124,438,000 | 126,092,000 | 127,931,000 | 129,208,000 |
| Risk-weighted assets | 1,075,154,000 | 1,082,077,000 | 1,067,443,000 | 1,077,404,000 |