Call reports 2016
BNC NATIONAL BANK — 2016
What BNC NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 924,637,000 | 926,381,000 | 941,813,000 | 908,911,000 |
| Total loans | 458,951,000 | 458,812,000 | 476,765,000 | 454,314,000 |
| Allowance for loan losses | 8,479,000 | 8,725,000 | 8,684,000 | 8,285,000 |
| Securities available for sale | 415,370,000 | 415,499,000 | 409,719,000 | 400,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 753,152,000 | 761,685,000 | 759,630,000 | 756,294,000 |
| Interest-bearing deposits | 604,641,000 | 615,991,000 | 609,482,000 | 609,195,000 |
| Noninterest-bearing deposits | 148,511,000 | 145,694,000 | 150,148,000 | 147,099,000 |
| Equity capital | 92,637,000 | 96,406,000 | 97,482,000 | 91,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,182,000 | 14,529,000 | 21,941,000 | 29,355,000 |
| Interest expense | 669,000 | 1,301,000 | 1,838,000 | 2,400,000 |
| Net interest income | 6,513,000 | 13,228,000 | 20,103,000 | 26,955,000 |
| Noninterest income | 5,692,000 | 12,776,000 | 20,299,000 | 25,229,000 |
| Noninterest expense | 9,553,000 | 19,993,000 | 30,433,000 | 40,327,000 |
| Provision for loan losses | 0 | 400,000 | 800,000 | 800,000 |
| Pretax income | 2,652,000 | 6,048,000 | 9,898,000 | 11,786,000 |
| Income tax | 875,000 | 1,962,000 | 3,194,000 | 3,316,000 |
| Net income | 1,777,000 | 4,086,000 | 6,704,000 | 8,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,968,000 | 87,229,000 | 89,855,000 | 89,139,000 |
| Total capital | 91,409,000 | 93,653,000 | 96,525,000 | 95,655,000 |
| Risk-weighted assets | 513,216,000 | 511,612,000 | 531,618,000 | 519,474,000 |