Call reports 2008
BNC NATIONAL BANK — 2008
What BNC NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 765,041,000 | 821,932,000 | 837,855,000 | 861,403,000 |
| Total loans | 547,677,000 | 556,966,000 | 567,784,000 | 584,739,000 |
| Allowance for loan losses | 7,178,000 | 7,065,000 | 8,395,000 | 8,751,000 |
| Securities available for sale | 160,452,000 | 200,312,000 | 211,763,000 | 209,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 568,912,000 | 626,417,000 | 644,652,000 | 677,087,000 |
| Interest-bearing deposits | 503,102,000 | 561,656,000 | 571,743,000 | 608,108,000 |
| Noninterest-bearing deposits | 65,810,000 | 64,761,000 | 72,909,000 | 68,979,000 |
| Equity capital | 83,895,000 | 79,442,000 | 77,931,000 | 75,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,385,000 | 22,881,000 | 34,575,000 | 46,027,000 |
| Interest expense | 4,653,000 | 8,993,000 | 13,494,000 | 17,556,000 |
| Net interest income | 6,732,000 | 13,888,000 | 21,081,000 | 28,471,000 |
| Noninterest income | 2,161,000 | 5,475,000 | 7,717,000 | 10,107,000 |
| Noninterest expense | 5,531,000 | 12,448,000 | 19,331,000 | 26,099,000 |
| Provision for loan losses | 800,000 | 2,800,000 | 4,600,000 | 7,750,000 |
| Pretax income | 2,562,000 | 4,115,000 | 5,114,000 | 4,976,000 |
| Income tax | 877,000 | 1,313,000 | 1,561,000 | 1,419,000 |
| Net income | 1,658,000 | 2,762,000 | 3,503,000 | 3,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,290,000 | 79,744,000 | 79,823,000 | 79,368,000 |
| Total capital | 89,468,000 | 86,809,000 | 88,191,000 | 87,956,000 |
| Risk-weighted assets | 627,380,000 | 671,162,000 | 669,458,000 | 686,853,000 |