Call reports 2012
BNC NATIONAL BANK — 2012
What BNC NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 688,578,000 | 696,054,000 | 739,686,000 | 768,613,000 |
| Total loans | 336,562,000 | 338,910,000 | 374,398,000 | 384,564,000 |
| Allowance for loan losses | 10,547,000 | 10,565,000 | 10,521,000 | 10,091,000 |
| Securities available for sale | 254,588,000 | 285,096,000 | 283,835,000 | 300,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 600,293,000 | 596,868,000 | 625,875,000 | 662,231,000 |
| Interest-bearing deposits | 476,602,000 | 467,591,000 | 493,214,000 | 530,644,000 |
| Noninterest-bearing deposits | 123,691,000 | 129,277,000 | 132,661,000 | 131,587,000 |
| Equity capital | 69,665,000 | 75,551,000 | 91,102,000 | 84,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,130,000 | 12,034,000 | 18,128,000 | 23,990,000 |
| Interest expense | 1,113,000 | 2,222,000 | 3,154,000 | 3,934,000 |
| Net interest income | 5,017,000 | 9,812,000 | 14,974,000 | 20,056,000 |
| Noninterest income | 4,992,000 | 14,663,000 | 31,347,000 | 41,034,000 |
| Noninterest expense | 7,856,000 | 16,683,000 | 28,543,000 | 37,629,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 2,053,000 | 7,790,000 | 17,957,000 | 23,640,000 |
| Income tax | 2,000 | 103,000 | -2,941,000 | -2,190,000 |
| Net income | 2,051,000 | 7,687,000 | 20,898,000 | 25,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,175,000 | 70,811,000 | 84,022,000 | 78,955,000 |
| Total capital | 69,790,000 | 75,648,000 | 89,059,000 | 84,003,000 |
| Risk-weighted assets | 363,228,000 | 380,803,000 | 397,492,000 | 398,814,000 |