Call reports 2011
BNC NATIONAL BANK — 2011
What BNC NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 681,772,000 | 630,010,000 | 666,766,000 | 662,437,000 |
| Total loans | 345,559,000 | 343,351,000 | 347,344,000 | 361,833,000 |
| Allowance for loan losses | 14,176,000 | 11,045,000 | 11,014,000 | 10,630,000 |
| Securities available for sale | 213,556,000 | 220,498,000 | 227,842,000 | 242,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 604,326,000 | 549,605,000 | 573,254,000 | 576,891,000 |
| Interest-bearing deposits | 480,501,000 | 457,105,000 | 457,669,000 | 460,023,000 |
| Noninterest-bearing deposits | 123,825,000 | 92,500,000 | 115,585,000 | 116,868,000 |
| Equity capital | 58,435,000 | 61,002,000 | 64,413,000 | 67,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,907,000 | 13,162,000 | 19,361,000 | 25,747,000 |
| Interest expense | 1,417,000 | 2,643,000 | 3,883,000 | 4,909,000 |
| Net interest income | 5,490,000 | 10,519,000 | 15,478,000 | 20,838,000 |
| Noninterest income | 3,439,000 | 7,106,000 | 11,018,000 | 15,571,000 |
| Noninterest expense | 7,729,000 | 15,662,000 | 23,714,000 | 31,591,000 |
| Provision for loan losses | 600,000 | 1,100,000 | 1,375,000 | 1,625,000 |
| Pretax income | 961,000 | 2,059,000 | 4,138,000 | 6,023,000 |
| Income tax | 0 | 3,000 | 1,000 | 5,000 |
| Net income | 961,000 | 2,056,000 | 4,137,000 | 6,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,066,000 | 59,161,000 | 61,242,000 | 63,124,000 |
| Total capital | 63,006,000 | 63,923,000 | 66,008,000 | 67,862,000 |
| Risk-weighted assets | 385,964,000 | 374,665,000 | 375,095,000 | 372,495,000 |