Call reports 2001
BNC NATIONAL BANK — 2001
What BNC NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 571,315,000 | 545,190,000 | 561,029,000 | 573,163,000 |
| Total loans | 276,656,000 | 320,581,000 | 331,840,000 | 310,204,000 |
| Allowance for loan losses | 3,956,000 | 4,548,000 | 4,625,000 | 4,182,000 |
| Securities available for sale | 246,614,000 | 184,842,000 | 187,849,000 | 209,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,380,000 | 383,130,000 | 393,013,000 | 405,656,000 |
| Interest-bearing deposits | 341,921,000 | 350,339,000 | 362,664,000 | 365,481,000 |
| Noninterest-bearing deposits | 38,459,000 | 32,791,000 | 30,349,000 | 40,175,000 |
| Equity capital | 42,075,000 | 42,370,000 | 43,607,000 | 43,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 10,498,000 | 20,701,000 | 29,880,000 | 38,850,000 |
| Interest expense | 6,525,000 | 12,378,000 | 18,577,000 | 23,069,000 |
| Net interest income | 3,973,000 | 8,323,000 | 11,303,000 | 15,781,000 |
| Noninterest income | 1,606,000 | 3,490,000 | 5,233,000 | 7,261,000 |
| Noninterest expense | 4,365,000 | 9,046,000 | 13,394,000 | 17,917,000 |
| Provision for loan losses | 350,000 | 950,000 | 1,378,000 | 1,556,000 |
| Pretax income | 1,582,000 | 3,144,000 | 3,140,000 | 4,965,000 |
| Income tax | 480,000 | 1,036,000 | 912,000 | 1,546,000 |
| Net income | 989,000 | 1,995,000 | 2,115,000 | 3,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,255,000 | 38,368,000 | 38,612,000 | 39,915,000 |
| Total capital | 41,211,000 | 42,916,000 | 43,237,000 | 44,097,000 |
| Risk-weighted assets | 371,497,000 | 404,071,000 | 411,952,000 | 400,667,000 |