Call reports 2007
BNC NATIONAL BANK — 2007
What BNC NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 701,263,000 | 625,266,000 | 623,739,000 | 699,030,000 |
| Total loans | 413,434,000 | 442,451,000 | 466,503,000 | 521,913,000 |
| Allowance for loan losses | 3,615,000 | 4,308,000 | 5,502,000 | 6,599,000 |
| Securities available for sale | 176,554,000 | 107,306,000 | 104,624,000 | 122,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,681,000 | 508,134,000 | 523,928,000 | 544,045,000 |
| Interest-bearing deposits | 464,385,000 | 438,811,000 | 449,647,000 | 470,600,000 |
| Noninterest-bearing deposits | 74,296,000 | 69,323,000 | 74,281,000 | 73,445,000 |
| Equity capital | 79,335,000 | 82,079,000 | 80,370,000 | 82,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,876,000 | 22,009,000 | 32,996,000 | 44,241,000 |
| Interest expense | 5,509,000 | 10,718,000 | 15,265,000 | 19,888,000 |
| Net interest income | 5,367,000 | 11,291,000 | 17,731,000 | 24,353,000 |
| Noninterest income | 7,487,000 | 3,431,000 | 4,927,000 | 7,004,000 |
| Noninterest expense | 9,596,000 | 13,189,000 | 18,560,000 | 24,541,000 |
| Provision for loan losses | 250,000 | 950,000 | 3,750,000 | 3,750,000 |
| Pretax income | 3,008,000 | -1,443,000 | -2,929,000 | -211,000 |
| Income tax | 1,037,000 | -755,000 | -1,518,000 | -594,000 |
| Net income | 1,971,000 | 4,300,000 | 3,291,000 | 5,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,478,000 | 82,676,000 | 79,494,000 | 80,641,000 |
| Total capital | 54,093,000 | 86,984,000 | 84,996,000 | 87,240,000 |
| Risk-weighted assets | 517,674,000 | 540,814,000 | 563,056,000 | 611,985,000 |