Call reports 2006
BANK OF NORTH CAROLINA — 2006
What BANK OF NORTH CAROLINA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 624,903,000 | 665,797,000 | 900,105,000 | 950,747,000 |
| Total loans | 523,467,000 | 558,343,000 | 740,248,000 | 776,833,000 |
| Allowance for loan losses | 6,542,000 | 6,968,000 | 9,956,000 | 10,400,000 |
| Securities available for sale | 43,182,000 | 53,359,000 | 74,908,000 | 76,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 522,076,000 | 562,838,000 | 720,299,000 | 786,942,000 |
| Interest-bearing deposits | 473,812,000 | 510,264,000 | 657,438,000 | 720,883,000 |
| Noninterest-bearing deposits | 48,264,000 | 52,574,000 | 62,861,000 | 66,059,000 |
| Equity capital | 51,203,000 | 51,566,000 | 93,399,000 | 95,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,364,000 | 21,830,000 | 37,227,000 | 53,759,000 |
| Interest expense | 4,567,000 | 9,787,000 | 16,989,000 | 25,018,000 |
| Net interest income | 5,797,000 | 12,043,000 | 20,238,000 | 28,741,000 |
| Noninterest income | 691,000 | 1,349,000 | 2,008,000 | 3,199,000 |
| Noninterest expense | 4,044,000 | 8,031,000 | 13,524,000 | 19,009,000 |
| Provision for loan losses | 520,000 | 1,230,000 | 1,875,000 | 2,655,000 |
| Pretax income | 1,926,000 | 4,133,000 | 6,849,000 | 10,278,000 |
| Income tax | 468,000 | 1,008,000 | 1,718,000 | 2,616,000 |
| Net income | 1,458,000 | 3,125,000 | 5,131,000 | 7,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,215,000 | 48,913,000 | 63,071,000 | 65,750,000 |
| Total capital | 61,757,000 | 63,881,000 | 80,772,000 | 84,030,000 |
| Risk-weighted assets | 558,737,000 | 599,691,000 | 776,110,000 | 821,633,000 |