Call reports 2010
BNC NATIONAL BANK — 2010
What BNC NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 839,327,000 | 749,319,000 | 747,160,000 | 745,184,000 |
| Total loans | 561,072,000 | 522,479,000 | 509,360,000 | 455,006,000 |
| Allowance for loan losses | 18,195,000 | 18,170,000 | 16,757,000 | 14,765,000 |
| Securities available for sale | 179,170,000 | 157,201,000 | 150,322,000 | 137,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 742,682,000 | 671,382,000 | 662,954,000 | 661,985,000 |
| Interest-bearing deposits | 625,353,000 | 554,077,000 | 548,928,000 | 535,899,000 |
| Noninterest-bearing deposits | 117,329,000 | 117,305,000 | 114,026,000 | 126,086,000 |
| Equity capital | 81,111,000 | 59,059,000 | 59,007,000 | 59,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 9,314,000 | 17,784,000 | 26,054,000 | 33,691,000 |
| Interest expense | 2,680,000 | 5,006,000 | 7,047,000 | 9,019,000 |
| Net interest income | 6,634,000 | 12,778,000 | 19,007,000 | 24,672,000 |
| Noninterest income | 3,449,000 | 7,457,000 | 11,201,000 | 16,982,000 |
| Noninterest expense | 8,146,000 | 42,896,000 | 51,288,000 | 60,741,000 |
| Provision for loan losses | 2,000,000 | 3,500,000 | 4,750,000 | 5,750,000 |
| Pretax income | 293,000 | -24,438,000 | -23,590,000 | -22,597,000 |
| Income tax | -48,000 | -1,286,000 | -1,253,000 | -510,000 |
| Net income | 341,000 | -23,152,000 | -22,337,000 | -22,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,533,000 | 56,040,000 | 56,855,000 | 57,106,000 |
| Total capital | 85,134,000 | 63,215,000 | 63,657,000 | 63,380,000 |
| Risk-weighted assets | 597,431,000 | 563,037,000 | 534,156,000 | 495,153,000 |