Call reports 2019
BNC NATIONAL BANK — 2019
What BNC NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,000,024,000 | 1,002,362,000 | 1,083,134,000 | 965,305,000 |
| Total loans | 505,489,000 | 543,585,000 | 637,257,000 | 645,683,000 |
| Allowance for loan losses | 7,678,000 | 7,892,000 | 7,967,000 | 8,141,000 |
| Securities available for sale | 435,659,000 | 402,864,000 | 386,157,000 | 265,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 887,232,000 | 875,932,000 | 890,875,000 | 826,781,000 |
| Interest-bearing deposits | 763,362,000 | 749,998,000 | 750,491,000 | 690,646,000 |
| Noninterest-bearing deposits | 123,870,000 | 125,934,000 | 140,384,000 | 136,135,000 |
| Equity capital | 98,344,000 | 105,179,000 | 110,663,000 | 102,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,137,000 | 18,543,000 | 28,248,000 | 37,844,000 |
| Interest expense | 1,869,000 | 3,946,000 | 6,042,000 | 7,933,000 |
| Net interest income | 7,268,000 | 14,597,000 | 22,206,000 | 29,911,000 |
| Noninterest income | 4,481,000 | 11,329,000 | 21,681,000 | 30,633,000 |
| Noninterest expense | 9,524,000 | 19,743,000 | 32,130,000 | 42,861,000 |
| Provision for loan losses | 0 | 200,000 | 500,000 | 700,000 |
| Pretax income | 2,289,000 | 6,303,000 | 13,277,000 | 15,687,000 |
| Income tax | 469,000 | 1,481,000 | 3,253,000 | 3,541,000 |
| Net income | 1,820,000 | 4,822,000 | 10,024,000 | 12,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,556,000 | 103,564,000 | 108,777,000 | 100,902,000 |
| Total capital | 107,976,000 | 111,456,000 | 116,744,000 | 109,043,000 |
| Risk-weighted assets | 593,333,000 | 633,707,000 | 681,805,000 | 686,750,000 |