Call reports 2003
BNC NATIONAL BANK — 2003
What BNC NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 593,025,000 | 591,750,000 | 594,891,000 | 620,872,000 |
| Total loans | 329,461,000 | 322,413,000 | 279,391,000 | 283,555,000 |
| Allowance for loan losses | 5,219,000 | 4,953,000 | 4,827,000 | 4,763,000 |
| Securities available for sale | 202,364,000 | 209,900,000 | 246,268,000 | 262,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,445,000 | 374,271,000 | 378,724,000 | 398,920,000 |
| Interest-bearing deposits | 352,886,000 | 333,521,000 | 337,635,000 | 354,114,000 |
| Noninterest-bearing deposits | 37,559,000 | 40,750,000 | 41,089,000 | 44,806,000 |
| Equity capital | 64,849,000 | 66,632,000 | 66,853,000 | 67,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,468,000 | 14,733,000 | 21,467,000 | 28,643,000 |
| Interest expense | 3,503,000 | 6,882,000 | 10,064,000 | 13,199,000 |
| Net interest income | 3,965,000 | 7,851,000 | 11,403,000 | 15,444,000 |
| Noninterest income | 5,076,000 | 10,104,000 | 15,013,000 | 19,645,000 |
| Noninterest expense | 6,346,000 | 12,886,000 | 19,582,000 | 26,714,000 |
| Provision for loan losses | 775,000 | 1,175,000 | 1,475,000 | 1,475,000 |
| Pretax income | 2,040,000 | 4,315,000 | 6,227,000 | 7,867,000 |
| Income tax | 579,000 | 1,353,000 | 2,039,000 | 2,542,000 |
| Net income | 1,461,000 | 2,962,000 | 4,188,000 | 5,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,863,000 | 41,314,000 | 42,805,000 | 43,311,000 |
| Total capital | 47,082,000 | 46,267,000 | 47,632,000 | 48,074,000 |
| Risk-weighted assets | 428,924,000 | 412,873,000 | 396,859,000 | 403,251,000 |