Call reports 2004
BNC NATIONAL BANK — 2004
What BNC NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 635,010,000 | 632,597,000 | 644,086,000 | 672,868,000 |
| Total loans | 253,992,000 | 288,913,000 | 323,074,000 | 354,011,000 |
| Allowance for loan losses | 3,545,000 | 3,443,000 | 3,424,000 | 3,335,000 |
| Securities available for sale | 288,359,000 | 263,395,000 | 236,317,000 | 235,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,618,000 | 407,849,000 | 429,822,000 | 458,211,000 |
| Interest-bearing deposits | 359,625,000 | 358,561,000 | 368,594,000 | 394,747,000 |
| Noninterest-bearing deposits | 44,993,000 | 49,288,000 | 61,228,000 | 63,464,000 |
| Equity capital | 72,047,000 | 69,662,000 | 72,128,000 | 72,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,922,000 | 14,833,000 | 22,209,000 | 30,159,000 |
| Interest expense | 2,978,000 | 5,851,000 | 8,833,000 | 11,982,000 |
| Net interest income | 4,944,000 | 8,982,000 | 13,376,000 | 18,177,000 |
| Noninterest income | 5,875,000 | 11,959,000 | 17,317,000 | 23,120,000 |
| Noninterest expense | 7,711,000 | 16,241,000 | 25,390,000 | 34,251,000 |
| Provision for loan losses | 0 | 0 | 0 | 175,000 |
| Pretax income | 3,108,000 | 4,751,000 | 5,470,000 | 7,140,000 |
| Income tax | 993,000 | 1,457,000 | 1,562,000 | 2,033,000 |
| Net income | 2,115,000 | 3,294,000 | 3,908,000 | 5,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,581,000 | 43,912,000 | 41,300,000 | 43,115,000 |
| Total capital | 49,126,000 | 47,355,000 | 44,724,000 | 46,450,000 |
| Risk-weighted assets | 399,337,000 | 412,365,000 | 427,223,000 | 448,312,000 |