Call reports 2007
BANK OF NORTH CAROLINA — 2007
What BANK OF NORTH CAROLINA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 985,387,000 | 1,069,942,000 | 1,098,048,000 | 1,128,742,000 |
| Total loans | 806,804,000 | 876,791,000 | 906,689,000 | 933,485,000 |
| Allowance for loan losses | 10,747,000 | 11,243,000 | 11,479,000 | 11,784,000 |
| Securities available for sale | 77,750,000 | 78,966,000 | 84,037,000 | 86,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 812,280,000 | 898,434,000 | 899,381,000 | 862,124,000 |
| Interest-bearing deposits | 741,348,000 | 826,394,000 | 828,539,000 | 787,723,000 |
| Noninterest-bearing deposits | 70,932,000 | 72,040,000 | 70,842,000 | 74,401,000 |
| Equity capital | 102,778,000 | 102,530,000 | 107,646,000 | 109,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,045,000 | 35,240,000 | 54,266,000 | 73,869,000 |
| Interest expense | 8,701,000 | 18,229,000 | 28,652,000 | 39,097,000 |
| Net interest income | 8,344,000 | 17,011,000 | 25,614,000 | 34,772,000 |
| Noninterest income | 1,035,000 | 2,241,000 | 3,863,000 | 4,938,000 |
| Noninterest expense | 5,624,000 | 11,271,000 | 17,186,000 | 23,958,000 |
| Provision for loan losses | 550,000 | 1,200,000 | 2,340,000 | 3,090,000 |
| Pretax income | 3,205,000 | 6,781,000 | 9,951,000 | 12,662,000 |
| Income tax | 809,000 | 1,704,000 | 2,458,000 | 3,058,000 |
| Net income | 2,396,000 | 5,077,000 | 7,493,000 | 9,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,467,000 | 74,645,000 | 78,649,000 | 79,938,000 |
| Total capital | 92,165,000 | 93,888,000 | 98,128,000 | 99,722,000 |
| Risk-weighted assets | 856,924,000 | 929,859,000 | 947,533,000 | 967,460,000 |