Call reports 2020
BNC NATIONAL BANK — 2020
What BNC NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,041,885,000 | 1,102,901,000 | 1,099,779,000 | 1,072,775,000 |
| Total loans | 692,921,000 | 805,037,000 | 845,463,000 | 820,974,000 |
| Allowance for loan losses | 8,414,000 | 9,680,000 | 10,005,000 | 10,324,000 |
| Securities available for sale | 223,371,000 | 189,703,000 | 186,536,000 | 183,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 904,073,000 | 945,339,000 | 902,941,000 | 889,768,000 |
| Interest-bearing deposits | 760,736,000 | 761,468,000 | 731,013,000 | 722,026,000 |
| Noninterest-bearing deposits | 143,337,000 | 183,871,000 | 171,928,000 | 167,742,000 |
| Equity capital | 110,287,000 | 127,167,000 | 127,862,000 | 124,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,010,000 | 18,585,000 | 27,322,000 | 36,563,000 |
| Interest expense | 1,460,000 | 2,477,000 | 3,246,000 | 3,913,000 |
| Net interest income | 7,550,000 | 16,108,000 | 24,076,000 | 32,650,000 |
| Noninterest income | 9,881,000 | 36,120,000 | 61,378,000 | 85,032,000 |
| Noninterest expense | 11,689,000 | 25,902,000 | 39,923,000 | 55,763,000 |
| Provision for loan losses | 550,000 | 2,050,000 | 2,400,000 | 2,670,000 |
| Pretax income | 6,167,000 | 25,404,000 | 44,259,000 | 60,377,000 |
| Income tax | 1,480,000 | 6,224,000 | 10,843,000 | 14,335,000 |
| Net income | 4,687,000 | 19,180,000 | 33,416,000 | 46,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,592,000 | 120,088,000 | 119,418,000 | 117,047,000 |
| Total capital | 114,006,000 | 129,384,000 | 128,748,000 | 126,516,000 |
| Risk-weighted assets | 732,810,000 | 743,264,000 | 745,721,000 | 756,676,000 |