Call reports 2006
BNC NATIONAL BANK — 2006
What BNC NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 725,653,000 | 701,279,000 | 675,784,000 | 692,135,000 |
| Total loans | 372,530,000 | 374,946,000 | 360,482,000 | 391,728,000 |
| Allowance for loan losses | 3,380,000 | 3,387,000 | 3,373,000 | 3,370,000 |
| Securities available for sale | 211,434,000 | 203,619,000 | 194,798,000 | 182,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,501,000 | 518,877,000 | 510,383,000 | 530,137,000 |
| Interest-bearing deposits | 477,058,000 | 449,100,000 | 447,007,000 | 445,903,000 |
| Noninterest-bearing deposits | 64,443,000 | 69,777,000 | 63,376,000 | 84,234,000 |
| Equity capital | 75,796,000 | 76,465,000 | 78,443,000 | 78,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,361,000 | 21,031,000 | 31,720,000 | 42,408,000 |
| Interest expense | 5,055,000 | 10,220,000 | 15,644,000 | 21,183,000 |
| Net interest income | 5,306,000 | 10,811,000 | 16,076,000 | 21,225,000 |
| Noninterest income | 6,766,000 | 12,377,000 | 18,258,000 | 23,832,000 |
| Noninterest expense | 9,085,000 | 18,205,000 | 27,740,000 | 37,078,000 |
| Provision for loan losses | 210,000 | 210,000 | 210,000 | 210,000 |
| Pretax income | 2,178,000 | 4,412,000 | 6,126,000 | 7,685,000 |
| Income tax | 771,000 | 1,419,000 | 1,944,000 | 2,356,000 |
| Net income | 1,407,000 | 2,993,000 | 4,182,000 | 5,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,217,000 | 49,844,000 | 50,224,000 | 50,638,000 |
| Total capital | 53,597,000 | 53,231,000 | 53,597,000 | 54,008,000 |
| Risk-weighted assets | 485,309,000 | 490,908,000 | 483,975,000 | 493,617,000 |