Call reports 2017
BNC NATIONAL BANK — 2017
What BNC NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,007,315,000 | 1,000,485,000 | 965,291,000 | 945,013,000 |
| Total loans | 436,931,000 | 463,955,000 | 460,861,000 | 464,926,000 |
| Allowance for loan losses | 8,040,000 | 7,898,000 | 7,847,000 | 7,861,000 |
| Securities available for sale | 420,316,000 | 440,542,000 | 450,126,000 | 411,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 893,881,000 | 883,177,000 | 843,409,000 | 823,854,000 |
| Interest-bearing deposits | 731,723,000 | 723,053,000 | 691,729,000 | 659,410,000 |
| Noninterest-bearing deposits | 162,158,000 | 160,124,000 | 151,680,000 | 164,444,000 |
| Equity capital | 93,053,000 | 96,621,000 | 98,236,000 | 93,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,320,000 | 15,223,000 | 23,449,000 | 31,460,000 |
| Interest expense | 534,000 | 1,144,000 | 1,848,000 | 2,559,000 |
| Net interest income | 6,786,000 | 14,079,000 | 21,601,000 | 28,901,000 |
| Noninterest income | 4,523,000 | 9,568,000 | 14,007,000 | 18,994,000 |
| Noninterest expense | 9,689,000 | 19,696,000 | 29,175,000 | 38,591,000 |
| Provision for loan losses | 0 | 150,000 | 250,000 | 350,000 |
| Pretax income | 1,891,000 | 4,248,000 | 7,423,000 | 9,699,000 |
| Income tax | 506,000 | 1,143,000 | 2,036,000 | 3,669,000 |
| Net income | 1,385,000 | 3,105,000 | 5,387,000 | 6,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,430,000 | 92,158,000 | 94,446,000 | 93,099,000 |
| Total capital | 96,898,000 | 98,903,000 | 101,260,000 | 99,933,000 |
| Risk-weighted assets | 515,884,000 | 538,408,000 | 544,093,000 | 545,717,000 |