Call reports 2002
BNC NATIONAL BANK — 2002
What BNC NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 543,316,000 | 605,526,000 | 590,706,000 | 601,079,000 |
| Total loans | 306,863,000 | 328,340,000 | 317,099,000 | 335,794,000 |
| Allowance for loan losses | 4,336,000 | 4,627,000 | 4,939,000 | 5,006,000 |
| Securities available for sale | 194,990,000 | 207,159,000 | 217,619,000 | 208,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,471,000 | 431,578,000 | 402,126,000 | 402,115,000 |
| Interest-bearing deposits | 365,558,000 | 391,948,000 | 361,593,000 | 357,664,000 |
| Noninterest-bearing deposits | 27,913,000 | 39,630,000 | 40,533,000 | 44,451,000 |
| Equity capital | 43,774,000 | 60,743,000 | 62,373,000 | 63,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,842,000 | 16,421,000 | 25,276,000 | 33,271,000 |
| Interest expense | 4,215,000 | 8,909,000 | 13,332,000 | 17,168,000 |
| Net interest income | 3,627,000 | 7,512,000 | 11,944,000 | 16,103,000 |
| Noninterest income | 1,727,000 | 5,656,000 | 9,978,000 | 14,416,000 |
| Noninterest expense | 4,539,000 | 12,026,000 | 19,187,000 | 25,880,000 |
| Provision for loan losses | 210,000 | 402,000 | 802,000 | 1,202,000 |
| Pretax income | 1,035,000 | 1,536,000 | 3,548,000 | 5,307,000 |
| Income tax | 331,000 | 561,000 | 1,139,000 | 1,687,000 |
| Net income | 704,000 | 975,000 | 2,409,000 | 3,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,721,000 | 37,530,000 | 39,183,000 | 40,136,000 |
| Total capital | 45,057,000 | 42,157,000 | 44,122,000 | 45,142,000 |
| Risk-weighted assets | 396,673,000 | 409,946,000 | 395,117,000 | 432,021,000 |