Call reports 2014
BNC NATIONAL BANK — 2014
What BNC NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 926,674,000 | 902,313,000 | 899,122,000 | 933,532,000 |
| Total loans | 351,596,000 | 361,991,000 | 377,806,000 | 407,898,000 |
| Allowance for loan losses | 9,858,000 | 8,828,000 | 8,675,000 | 8,601,000 |
| Securities available for sale | 437,893,000 | 451,974,000 | 456,192,000 | 449,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 810,695,000 | 780,410,000 | 775,556,000 | 817,423,000 |
| Interest-bearing deposits | 609,816,000 | 651,246,000 | 618,792,000 | 629,978,000 |
| Noninterest-bearing deposits | 200,879,000 | 129,164,000 | 156,764,000 | 187,445,000 |
| Equity capital | 86,803,000 | 92,515,000 | 95,035,000 | 91,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,107,000 | 14,383,000 | 21,928,000 | 29,272,000 |
| Interest expense | 614,000 | 1,278,000 | 1,872,000 | 2,458,000 |
| Net interest income | 6,493,000 | 13,105,000 | 20,056,000 | 26,814,000 |
| Noninterest income | 3,792,000 | 9,205,000 | 14,078,000 | 20,613,000 |
| Noninterest expense | 7,733,000 | 15,963,000 | 24,580,000 | 33,588,000 |
| Provision for loan losses | -200,000 | -600,000 | -800,000 | -800,000 |
| Pretax income | 3,275,000 | 7,475,000 | 10,882,000 | 14,692,000 |
| Income tax | 1,050,000 | 2,394,000 | 3,596,000 | 4,758,000 |
| Net income | 2,225,000 | 5,081,000 | 7,286,000 | 9,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,898,000 | 88,753,000 | 90,958,000 | 86,107,000 |
| Total capital | 91,155,000 | 94,203,000 | 96,586,000 | 91,967,000 |
| Risk-weighted assets | 415,921,000 | 432,631,000 | 447,207,000 | 466,060,000 |