Call reports 2005
BANK OF NORTH CAROLINA — 2005
What BANK OF NORTH CAROLINA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 527,742,000 | 563,507,000 | 577,971,000 | 594,465,000 |
| Total loans | 443,072,000 | 462,846,000 | 479,264,000 | 500,949,000 |
| Allowance for loan losses | 5,576,000 | 5,958,000 | 6,130,000 | 6,140,000 |
| Securities available for sale | 38,405,000 | 41,320,000 | 41,168,000 | 42,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,424,000 | 455,188,000 | 463,134,000 | 490,927,000 |
| Interest-bearing deposits | 387,470,000 | 411,264,000 | 422,350,000 | 451,332,000 |
| Noninterest-bearing deposits | 40,954,000 | 43,924,000 | 40,784,000 | 39,595,000 |
| Equity capital | 45,890,000 | 48,316,000 | 48,223,000 | 49,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,316,000 | 15,565,000 | 24,032,000 | 33,815,000 |
| Interest expense | 2,764,000 | 5,757,000 | 9,505,000 | 13,543,000 |
| Net interest income | 4,552,000 | 9,808,000 | 14,527,000 | 20,272,000 |
| Noninterest income | 510,000 | 1,104,000 | 1,746,000 | 2,512,000 |
| Noninterest expense | 3,249,000 | 6,611,000 | 9,400,000 | 13,026,000 |
| Provision for loan losses | 480,000 | 1,015,000 | 1,615,000 | 2,515,000 |
| Pretax income | 1,333,000 | 3,286,000 | 5,258,000 | 7,243,000 |
| Income tax | 375,000 | 786,000 | 1,249,000 | 1,719,000 |
| Net income | 958,000 | 2,500,000 | 4,009,000 | 5,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,206,000 | 44,226,000 | 44,197,000 | 45,722,000 |
| Total capital | 47,782,000 | 58,184,000 | 58,327,000 | 59,862,000 |
| Risk-weighted assets | 457,696,000 | 486,141,000 | 502,762,000 | 530,967,000 |