Call reports 2022
BNC NATIONAL BANK — 2022
What BNC NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 986,240,000 | 917,716,000 | 945,171,000 | 942,438,000 |
| Total loans | 594,003,000 | 623,896,000 | 647,022,000 | 654,409,000 |
| Allowance for loan losses | 8,475,000 | 8,487,000 | 8,617,000 | 8,831,000 |
| Securities available for sale | 196,030,000 | 192,743,000 | 180,760,000 | 174,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 865,671,000 | 798,889,000 | 828,524,000 | 837,788,000 |
| Interest-bearing deposits | 675,506,000 | 606,187,000 | 629,766,000 | 630,491,000 |
| Noninterest-bearing deposits | 190,165,000 | 192,702,000 | 198,758,000 | 207,297,000 |
| Equity capital | 113,353,000 | 111,231,000 | 107,931,000 | 96,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,307,000 | 15,102,000 | 23,959,000 | 33,632,000 |
| Interest expense | 338,000 | 667,000 | 1,271,000 | 2,181,000 |
| Net interest income | 6,969,000 | 14,435,000 | 22,688,000 | 31,451,000 |
| Noninterest income | 5,597,000 | 11,473,000 | 16,010,000 | 19,415,000 |
| Noninterest expense | 10,933,000 | 21,352,000 | 31,740,000 | 41,504,000 |
| Provision for loan losses | -550,000 | -550,000 | -400,000 | -150,000 |
| Pretax income | 2,183,000 | 5,106,000 | 7,358,000 | 9,512,000 |
| Income tax | 513,000 | 1,200,000 | 1,729,000 | 2,113,000 |
| Net income | 1,670,000 | 3,906,000 | 5,629,000 | 7,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,297,000 | 118,435,000 | 120,161,000 | 108,436,000 |
| Total capital | 124,772,000 | 126,922,000 | 128,778,000 | 117,267,000 |
| Risk-weighted assets | 678,725,000 | 750,234,000 | 767,714,000 | 772,194,000 |