Call reports 2018
BNC NATIONAL BANK — 2018
What BNC NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 995,260,000 | 986,827,000 | 989,688,000 | 970,161,000 |
| Total loans | 459,383,000 | 497,137,000 | 505,353,000 | 491,256,000 |
| Allowance for loan losses | 7,811,000 | 7,788,000 | 7,728,000 | 7,692,000 |
| Securities available for sale | 441,019,000 | 425,443,000 | 432,294,000 | 411,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 877,687,000 | 868,852,000 | 870,545,000 | 858,545,000 |
| Interest-bearing deposits | 696,354,000 | 720,677,000 | 719,971,000 | 700,788,000 |
| Noninterest-bearing deposits | 181,333,000 | 148,175,000 | 150,574,000 | 157,757,000 |
| Equity capital | 92,453,000 | 92,996,000 | 91,426,000 | 92,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,020,000 | 16,544,000 | 25,382,000 | 34,497,000 |
| Interest expense | 887,000 | 2,052,000 | 3,416,000 | 4,954,000 |
| Net interest income | 7,133,000 | 14,492,000 | 21,966,000 | 29,543,000 |
| Noninterest income | 3,870,000 | 9,455,000 | 13,488,000 | 16,988,000 |
| Noninterest expense | 9,601,000 | 19,454,000 | 29,152,000 | 38,531,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,481,000 | 6,766,000 | 8,575,000 | 10,293,000 |
| Income tax | 724,000 | 1,455,000 | 1,839,000 | 2,015,000 |
| Net income | 2,757,000 | 5,311,000 | 6,736,000 | 8,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,887,000 | 98,447,000 | 99,878,000 | 98,952,000 |
| Total capital | 102,743,000 | 105,683,000 | 107,215,000 | 106,154,000 |
| Risk-weighted assets | 547,505,000 | 578,318,000 | 586,565,000 | 575,665,000 |