Call reports 2013
BANK OF NORTH CAROLINA — 2013
What BANK OF NORTH CAROLINA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,927,091,000 | 2,927,850,000 | 2,966,947,000 | 3,227,841,000 |
| Total loans | 2,077,281,000 | 2,088,895,000 | 2,117,774,000 | 2,307,416,000 |
| Allowance for loan losses | 38,147,000 | 32,859,000 | 32,358,000 | 32,875,000 |
| Securities available for sale | 342,607,000 | 242,577,000 | 257,960,000 | 270,417,000 |
| Securities held to maturity | 134,376,000 | 223,503,000 | 242,489,000 | 247,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,510,167,000 | 2,432,911,000 | 2,438,346,000 | 2,708,476,000 |
| Interest-bearing deposits | 2,240,691,000 | 2,152,332,000 | 2,136,191,000 | 2,382,198,000 |
| Noninterest-bearing deposits | 269,476,000 | 280,579,000 | 302,155,000 | 326,278,000 |
| Equity capital | 307,310,000 | 304,916,000 | 307,627,000 | 320,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 33,151,000 | 66,828,000 | 100,833,000 | 138,669,000 |
| Interest expense | 7,160,000 | 13,995,000 | 20,759,000 | 28,143,000 |
| Net interest income | 25,991,000 | 52,833,000 | 80,074,000 | 110,526,000 |
| Noninterest income | 5,819,000 | 9,946,000 | 14,960,000 | 19,455,000 |
| Noninterest expense | 22,506,000 | 44,933,000 | 66,555,000 | 94,512,000 |
| Provision for loan losses | 4,115,000 | 6,403,000 | 9,753,000 | 12,188,000 |
| Pretax income | 4,961,000 | 11,391,000 | 18,674,000 | 23,239,000 |
| Income tax | 480,000 | 1,679,000 | 3,329,000 | 4,045,000 |
| Net income | 4,481,000 | 9,712,000 | 15,345,000 | 19,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 270,924,000 | 270,672,000 | 274,472,000 | 282,634,000 |
| Total capital | 297,401,000 | 297,667,000 | 302,683,000 | 313,624,000 |
| Risk-weighted assets | 2,106,521,000 | 2,153,748,000 | 2,252,768,000 | 2,477,340,000 |