Call reports 2016
BANK OF NORTH CAROLINA — 2016
What BANK OF NORTH CAROLINA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 5,698,749,000 | 6,476,625,000 | 6,799,366,000 | 7,395,831,000 |
| Total loans | 4,271,609,000 | 4,854,388,000 | 5,036,388,000 | 5,499,441,000 |
| Allowance for loan losses | 32,548,000 | 33,841,000 | 36,366,000 | 37,501,000 |
| Securities available for sale | 501,496,000 | 539,781,000 | 543,013,000 | 579,124,000 |
| Securities held to maturity | 255,752,000 | 263,277,000 | 295,276,000 | 317,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,785,824,000 | 5,378,609,000 | 5,729,805,000 | 6,113,785,000 |
| Interest-bearing deposits | 3,968,848,000 | 4,467,135,000 | 4,730,920,000 | 4,967,288,000 |
| Noninterest-bearing deposits | 816,976,000 | 911,474,000 | 998,885,000 | 1,146,497,000 |
| Equity capital | 688,387,000 | 808,379,000 | 829,808,000 | 980,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 56,480,000 | 114,889,000 | 179,914,000 | 249,184,000 |
| Interest expense | 6,669,000 | 13,822,000 | 22,022,000 | 30,534,000 |
| Net interest income | 49,811,000 | 101,067,000 | 157,892,000 | 218,650,000 |
| Noninterest income | 7,695,000 | 16,594,000 | 25,889,000 | 37,963,000 |
| Noninterest expense | 34,113,000 | 69,602,000 | 106,562,000 | 153,392,000 |
| Provision for loan losses | 647,000 | 1,345,000 | 3,210,000 | 4,665,000 |
| Pretax income | 22,707,000 | 46,679,000 | 74,008,000 | 98,561,000 |
| Income tax | 7,110,000 | 14,768,000 | 23,314,000 | 30,654,000 |
| Net income | 15,597,000 | 31,911,000 | 50,694,000 | 67,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 532,219,000 | 598,275,000 | 615,974,000 | 719,663,000 |
| Total capital | 564,811,000 | 632,215,000 | 652,439,000 | 757,413,000 |
| Risk-weighted assets | 4,872,744,000 | 5,469,057,000 | 5,589,961,000 | 6,125,279,000 |