Call reports 2015
BNC NATIONAL BANK — 2015
What BNC NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 975,217,000 | 900,664,000 | 872,265,000 | 903,318,000 |
| Total loans | 428,428,000 | 415,041,000 | 387,482,000 | 430,348,000 |
| Allowance for loan losses | 8,736,000 | 8,591,000 | 8,599,000 | 8,611,000 |
| Securities available for sale | 458,641,000 | 437,036,000 | 436,680,000 | 419,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 851,870,000 | 767,023,000 | 746,575,000 | 785,300,000 |
| Interest-bearing deposits | 650,012,000 | 614,275,000 | 588,215,000 | 616,987,000 |
| Noninterest-bearing deposits | 201,858,000 | 152,748,000 | 158,360,000 | 168,313,000 |
| Equity capital | 97,188,000 | 96,434,000 | 99,971,000 | 87,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,222,000 | 14,342,000 | 21,005,000 | 27,932,000 |
| Interest expense | 551,000 | 1,187,000 | 1,680,000 | 2,186,000 |
| Net interest income | 6,671,000 | 13,155,000 | 19,325,000 | 25,746,000 |
| Noninterest income | 7,085,000 | 12,903,000 | 18,027,000 | 23,488,000 |
| Noninterest expense | 9,323,000 | 18,838,000 | 27,656,000 | 36,791,000 |
| Provision for loan losses | 0 | 0 | -400,000 | -400,000 |
| Pretax income | 5,029,000 | 8,780,000 | 11,828,000 | 14,498,000 |
| Income tax | 1,559,000 | 2,897,000 | 3,903,000 | 4,275,000 |
| Net income | 3,470,000 | 5,883,000 | 7,925,000 | 10,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,848,000 | 91,906,000 | 93,885,000 | 83,187,000 |
| Total capital | 91,824,000 | 97,857,000 | 99,592,000 | 89,178,000 |
| Risk-weighted assets | 475,355,000 | 473,411,000 | 453,654,000 | 476,623,000 |