Call reports 2015
BANK OF NORTH CAROLINA — 2015
What BANK OF NORTH CAROLINA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 4,170,978,000 | 4,276,155,000 | 5,195,595,000 | 5,666,188,000 |
| Total loans | 3,201,342,000 | 3,289,322,000 | 4,016,070,000 | 4,239,341,000 |
| Allowance for loan losses | 29,351,000 | 30,635,000 | 30,833,000 | 31,647,000 |
| Securities available for sale | 290,591,000 | 320,080,000 | 404,594,000 | 490,141,000 |
| Securities held to maturity | 224,734,000 | 237,652,000 | 241,138,000 | 244,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,563,020,000 | 3,516,746,000 | 4,384,842,000 | 4,782,096,000 |
| Interest-bearing deposits | 3,008,590,000 | 2,888,583,000 | 3,635,917,000 | 3,965,249,000 |
| Noninterest-bearing deposits | 554,430,000 | 628,163,000 | 748,925,000 | 816,847,000 |
| Equity capital | 471,809,000 | 478,787,000 | 619,952,000 | 674,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 43,887,000 | 88,934,000 | 142,246,000 | 198,485,000 |
| Interest expense | 4,809,000 | 10,103,000 | 15,874,000 | 22,089,000 |
| Net interest income | 39,078,000 | 78,831,000 | 126,372,000 | 176,396,000 |
| Noninterest income | 5,094,000 | 11,732,000 | 19,332,000 | 26,669,000 |
| Noninterest expense | 30,575,000 | 59,680,000 | 96,961,000 | 133,425,000 |
| Provision for loan losses | 110,000 | 411,000 | 609,000 | 1,896,000 |
| Pretax income | 13,536,000 | 30,517,000 | 48,973,000 | 68,628,000 |
| Income tax | 3,511,000 | 8,223,000 | 13,329,000 | 18,749,000 |
| Net income | 10,025,000 | 22,294,000 | 35,644,000 | 49,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 384,440,000 | 387,751,000 | 468,743,000 | 516,547,000 |
| Total capital | 413,835,000 | 418,429,000 | 499,620,000 | 548,238,000 |
| Risk-weighted assets | 3,495,091,000 | 3,617,263,000 | 4,392,805,000 | 4,722,654,000 |