Call reports 2005
BNC NATIONAL BANK — 2005
What BNC NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 678,444,000 | 725,052,000 | 748,351,000 | 740,024,000 |
| Total loans | 357,895,000 | 397,309,000 | 428,867,000 | 411,970,000 |
| Allowance for loan losses | 3,590,000 | 3,538,000 | 3,212,000 | 3,188,000 |
| Securities available for sale | 232,314,000 | 232,896,000 | 223,845,000 | 227,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,729,000 | 496,665,000 | 568,377,000 | 550,405,000 |
| Interest-bearing deposits | 398,590,000 | 437,014,000 | 493,874,000 | 477,403,000 |
| Noninterest-bearing deposits | 70,139,000 | 59,651,000 | 74,503,000 | 73,002,000 |
| Equity capital | 73,038,000 | 75,565,000 | 75,992,000 | 76,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,357,000 | 17,321,000 | 27,069,000 | 37,264,000 |
| Interest expense | 3,609,000 | 7,621,000 | 12,246,000 | 17,260,000 |
| Net interest income | 4,748,000 | 9,700,000 | 14,823,000 | 20,004,000 |
| Noninterest income | 7,768,000 | 13,691,000 | 19,408,000 | 24,863,000 |
| Noninterest expense | 9,123,000 | 18,141,000 | 27,078,000 | 36,447,000 |
| Provision for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 3,077,000 | 4,933,000 | 6,836,000 | 8,103,000 |
| Income tax | 1,019,000 | 1,552,000 | 2,066,000 | 2,330,000 |
| Net income | 2,058,000 | 3,381,000 | 4,770,000 | 5,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,501,000 | 46,652,000 | 48,261,000 | 49,737,000 |
| Total capital | 49,091,000 | 50,190,000 | 51,473,000 | 52,925,000 |
| Risk-weighted assets | 434,113,000 | 475,624,000 | 501,393,000 | 496,070,000 |