Call reports 2009
BANK OF NORTH CAROLINA — 2009
What BANK OF NORTH CAROLINA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,588,881,000 | 1,598,150,000 | 1,703,665,000 | 1,633,713,000 |
| Total loans | 1,005,350,000 | 1,015,966,000 | 1,047,826,000 | 1,081,945,000 |
| Allowance for loan losses | 14,504,000 | 15,067,000 | 16,686,000 | 17,309,000 |
| Securities available for sale | 453,488,000 | 447,461,000 | 406,139,000 | 360,506,000 |
| Securities held to maturity | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,290,491,000 | 1,344,997,000 | 1,433,623,000 | 1,350,392,000 |
| Interest-bearing deposits | 1,225,531,000 | 1,277,773,000 | 1,365,802,000 | 1,283,077,000 |
| Noninterest-bearing deposits | 64,960,000 | 67,224,000 | 67,821,000 | 67,315,000 |
| Equity capital | 139,027,000 | 145,586,000 | 147,742,000 | 164,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 18,839,000 | 37,988,000 | 57,373,000 | 76,247,000 |
| Interest expense | 8,886,000 | 16,922,000 | 24,655,000 | 32,027,000 |
| Net interest income | 9,953,000 | 21,066,000 | 32,718,000 | 44,220,000 |
| Noninterest income | 1,961,000 | 4,022,000 | 6,042,000 | 7,999,000 |
| Noninterest expense | 7,435,000 | 15,949,000 | 24,398,000 | 32,983,000 |
| Provision for loan losses | 3,000,000 | 6,000,000 | 11,000,000 | 15,750,000 |
| Pretax income | 1,479,000 | 3,020,000 | 5,305,000 | 7,096,000 |
| Income tax | -120,000 | -250,000 | -112,000 | -285,000 |
| Net income | 1,599,000 | 3,270,000 | 5,417,000 | 7,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,265,000 | 112,765,000 | 114,994,000 | 132,050,000 |
| Total capital | 133,493,000 | 135,020,000 | 137,810,000 | 155,264,000 |
| Risk-weighted assets | 1,137,238,000 | 1,139,577,000 | 1,191,321,000 | 1,214,407,000 |