Call reports 2004
BANK OF NORTH CAROLINA — 2004
What BANK OF NORTH CAROLINA 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 | 407,547,000 | 457,545,000 | 484,107,000 | 497,071,000 |
| Total loans | 337,553,000 | 369,668,000 | 393,889,000 | 422,732,000 |
| Allowance for loan losses | 4,654,000 | 4,804,000 | 5,122,000 | 5,436,000 |
| Securities available for sale | 31,389,000 | 32,988,000 | 34,090,000 | 35,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,620,000 | 371,511,000 | 390,104,000 | 391,479,000 |
| Interest-bearing deposits | 285,776,000 | 338,243,000 | 355,458,000 | 356,714,000 |
| Noninterest-bearing deposits | 35,844,000 | 33,268,000 | 34,646,000 | 34,765,000 |
| Equity capital | 38,523,000 | 38,490,000 | 45,195,000 | 45,574,000 |
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 | 5,073,000 | 10,632,000 | 16,805,000 | 22,690,000 |
| Interest expense | 1,596,000 | 3,456,000 | 5,601,000 | 8,017,000 |
| Net interest income | 3,477,000 | 7,176,000 | 11,204,000 | 14,673,000 |
| Noninterest income | 549,000 | 1,236,000 | 2,002,000 | 2,769,000 |
| Noninterest expense | 2,832,000 | 5,713,000 | 8,775,000 | 10,897,000 |
| Provision for loan losses | 120,000 | 350,000 | 630,000 | 1,265,000 |
| Pretax income | 1,074,000 | 2,349,000 | 3,801,000 | 5,280,000 |
| Income tax | 295,000 | 670,000 | 1,088,000 | 1,474,000 |
| Net income | 779,000 | 1,679,000 | 2,713,000 | 3,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,414,000 | 35,329,000 | 41,368,000 | 41,746,000 |
| Total capital | 38,856,000 | 40,133,000 | 46,465,000 | 47,182,000 |
| Risk-weighted assets | 355,130,000 | 387,840,000 | 407,597,000 | 437,014,000 |