Call reports 2009
BNC NATIONAL BANK — 2009
What BNC NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 902,515,000 | 914,916,000 | 902,029,000 | 866,920,000 |
| Total loans | 603,556,000 | 608,468,000 | 600,728,000 | 579,771,000 |
| Allowance for loan losses | 9,674,000 | 10,339,000 | 20,988,000 | 18,047,000 |
| Securities available for sale | 227,810,000 | 236,904,000 | 243,404,000 | 211,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 693,720,000 | 741,105,000 | 783,162,000 | 760,302,000 |
| Interest-bearing deposits | 625,808,000 | 665,611,000 | 690,875,000 | 661,647,000 |
| Noninterest-bearing deposits | 67,912,000 | 75,494,000 | 92,287,000 | 98,655,000 |
| Equity capital | 76,952,000 | 78,058,000 | 59,929,000 | 75,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,679,000 | 22,092,000 | 33,703,000 | 44,589,000 |
| Interest expense | 3,628,000 | 7,553,000 | 11,464,000 | 15,022,000 |
| Net interest income | 7,051,000 | 14,539,000 | 22,239,000 | 29,567,000 |
| Noninterest income | 1,038,000 | 1,129,000 | -1,545,000 | 5,431,000 |
| Noninterest expense | 6,089,000 | 12,009,000 | 18,523,000 | 30,610,000 |
| Provision for loan losses | 1,700,000 | 3,700,000 | 26,000,000 | 27,000,000 |
| Pretax income | 1,203,000 | 1,830,000 | -21,805,000 | -19,762,000 |
| Income tax | 342,000 | 389,000 | -1,997,000 | -2,420,000 |
| Net income | 843,000 | 1,404,000 | -19,884,000 | -17,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,210,000 | 80,772,000 | 59,739,000 | 77,192,000 |
| Total capital | 103,784,000 | 104,306,000 | 83,245,000 | 85,195,000 |
| Risk-weighted assets | 684,785,000 | 680,948,000 | 667,985,000 | 631,320,000 |