Call reports 2021
BNC NATIONAL BANK — 2021
What BNC NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,225,739,000 | 1,027,910,000 | 1,068,744,000 | 1,046,501,000 |
| Total loans | 768,427,000 | 647,994,000 | 633,873,000 | 610,716,000 |
| Allowance for loan losses | 10,277,000 | 10,293,000 | 10,249,000 | 9,080,000 |
| Securities available for sale | 171,755,000 | 186,326,000 | 207,044,000 | 208,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,073,133,000 | 888,361,000 | 941,266,000 | 917,896,000 |
| Interest-bearing deposits | 877,245,000 | 696,035,000 | 749,280,000 | 731,255,000 |
| Noninterest-bearing deposits | 195,888,000 | 192,326,000 | 191,986,000 | 186,641,000 |
| Equity capital | 132,975,000 | 127,787,000 | 116,633,000 | 118,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 9,722,000 | 17,753,000 | 25,683,000 | 33,470,000 |
| Interest expense | 612,000 | 1,170,000 | 1,575,000 | 1,935,000 |
| Net interest income | 9,110,000 | 16,583,000 | 24,108,000 | 31,535,000 |
| Noninterest income | 17,567,000 | 27,282,000 | 37,180,000 | 44,983,000 |
| Noninterest expense | 13,521,000 | 24,977,000 | 36,117,000 | 47,320,000 |
| Provision for loan losses | 0 | 0 | 0 | -350,000 |
| Pretax income | 13,156,000 | 18,888,000 | 25,171,000 | 29,548,000 |
| Income tax | 3,217,000 | 4,593,000 | 6,036,000 | 6,973,000 |
| Net income | 9,939,000 | 14,295,000 | 19,135,000 | 22,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,987,000 | 121,343,000 | 111,186,000 | 114,626,000 |
| Total capital | 135,909,000 | 129,499,000 | 119,488,000 | 123,051,000 |
| Risk-weighted assets | 712,436,000 | 650,318,000 | 662,249,000 | 673,345,000 |