Call reports 2014
BANK OF NORTH CAROLINA — 2014
What BANK OF NORTH CAROLINA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 3,204,243,000 | 3,681,776,000 | 3,733,175,000 | 4,069,900,000 |
| Total loans | 2,322,970,000 | 2,694,013,000 | 2,784,575,000 | 3,112,378,000 |
| Allowance for loan losses | 30,880,000 | 30,129,000 | 30,722,000 | 30,399,000 |
| Securities available for sale | 246,609,000 | 256,285,000 | 250,106,000 | 269,290,000 |
| Securities held to maturity | 241,296,000 | 245,342,000 | 239,156,000 | 237,092,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,759,370,000 | 3,126,548,000 | 3,125,221,000 | 3,406,113,000 |
| Interest-bearing deposits | 2,405,910,000 | 2,659,966,000 | 2,601,348,000 | 2,861,432,000 |
| Noninterest-bearing deposits | 353,460,000 | 466,582,000 | 523,873,000 | 544,681,000 |
| Equity capital | 328,489,000 | 375,741,000 | 398,204,000 | 462,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 35,717,000 | 74,348,000 | 115,227,000 | 158,141,000 |
| Interest expense | 4,419,000 | 8,558,000 | 12,710,000 | 17,130,000 |
| Net interest income | 31,298,000 | 65,790,000 | 102,517,000 | 141,011,000 |
| Noninterest income | 5,097,000 | 9,541,000 | 14,618,000 | 21,202,000 |
| Noninterest expense | 24,174,000 | 52,309,000 | 80,916,000 | 111,384,000 |
| Provision for loan losses | 2,561,000 | 4,701,000 | 6,005,000 | 7,006,000 |
| Pretax income | 9,095,000 | 17,756,000 | 29,703,000 | 43,312,000 |
| Income tax | 2,023,000 | 3,944,000 | 6,991,000 | 10,365,000 |
| Net income | 7,072,000 | 13,812,000 | 22,712,000 | 32,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 287,001,000 | 288,715,000 | 313,845,000 | 360,457,000 |
| Total capital | 317,881,000 | 318,844,000 | 344,610,000 | 390,900,000 |
| Risk-weighted assets | 2,496,053,000 | 2,851,483,000 | 2,907,865,000 | 3,202,500,000 |