Call reports 2023
BNC NATIONAL BANK — 2023
What BNC NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 896,414,000 | 928,730,000 | 912,216,000 | 966,807,000 |
| Total loans | 669,808,000 | 708,217,000 | 665,147,000 | 668,808,000 |
| Allowance for loan losses | 8,936,000 | 9,000,000 | 9,146,000 | 9,284,000 |
| Securities available for sale | 172,507,000 | 165,745,000 | 158,016,000 | 159,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 790,241,000 | 822,140,000 | 806,969,000 | 854,323,000 |
| Interest-bearing deposits | 595,087,000 | 640,566,000 | 626,815,000 | 669,783,000 |
| Noninterest-bearing deposits | 195,154,000 | 181,574,000 | 180,154,000 | 184,540,000 |
| Equity capital | 100,557,000 | 99,919,000 | 99,591,000 | 106,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,012,000 | 20,712,000 | 31,808,000 | 43,303,000 |
| Interest expense | 1,353,000 | 3,789,000 | 6,795,000 | 10,092,000 |
| Net interest income | 8,659,000 | 16,923,000 | 25,013,000 | 33,211,000 |
| Noninterest income | 3,692,000 | 7,482,000 | 8,679,000 | 10,283,000 |
| Noninterest expense | 9,761,000 | 20,454,000 | 27,166,000 | 33,684,000 |
| Provision for loan losses | 220,000 | 405,000 | 627,000 | 829,000 |
| Pretax income | 2,361,000 | 3,557,000 | 5,902,000 | 9,006,000 |
| Income tax | 555,000 | 836,000 | 1,387,000 | 2,050,000 |
| Net income | 1,806,000 | 2,721,000 | 4,515,000 | 6,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,156,000 | 111,081,000 | 112,864,000 | 115,307,000 |
| Total capital | 119,092,000 | 120,081,000 | 122,010,000 | 124,766,000 |
| Risk-weighted assets | 795,865,000 | 813,604,000 | 805,655,000 | 809,082,000 |