Call reports 2013
BNC NATIONAL BANK — 2013
What BNC NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 797,580,000 | 797,322,000 | 828,596,000 | 841,451,000 |
| Total loans | 348,986,000 | 365,514,000 | 329,220,000 | 350,798,000 |
| Allowance for loan losses | 9,873,000 | 9,898,000 | 9,897,000 | 9,847,000 |
| Securities available for sale | 319,488,000 | 342,723,000 | 405,300,000 | 435,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 685,490,000 | 682,553,000 | 711,943,000 | 732,294,000 |
| Interest-bearing deposits | 579,206,000 | 577,409,000 | 587,634,000 | 590,480,000 |
| Noninterest-bearing deposits | 106,284,000 | 105,144,000 | 124,309,000 | 141,814,000 |
| Equity capital | 87,532,000 | 85,158,000 | 87,452,000 | 82,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,649,000 | 11,209,000 | 16,769,000 | 23,706,000 |
| Interest expense | 731,000 | 1,419,000 | 2,076,000 | 2,712,000 |
| Net interest income | 4,918,000 | 9,790,000 | 14,693,000 | 20,994,000 |
| Noninterest income | 10,139,000 | 18,509,000 | 23,471,000 | 28,162,000 |
| Noninterest expense | 9,158,000 | 18,127,000 | 27,298,000 | 35,481,000 |
| Provision for loan losses | 700,000 | 700,000 | 700,000 | 700,000 |
| Pretax income | 6,408,000 | 10,681,000 | 11,413,000 | 14,222,000 |
| Income tax | 2,265,000 | 3,815,000 | 3,732,000 | 4,506,000 |
| Net income | 4,143,000 | 6,866,000 | 7,681,000 | 9,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,097,000 | 85,820,000 | 86,635,000 | 83,670,000 |
| Total capital | 87,906,000 | 90,840,000 | 91,583,000 | 88,922,000 |
| Risk-weighted assets | 379,693,000 | 396,689,000 | 390,862,000 | 415,560,000 |