Call reports 2024
BNC NATIONAL BANK — 2024
What BNC NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 926,878,000 | 914,256,000 | 922,801,000 | 965,288,000 |
| Total loans | 677,870,000 | 687,009,000 | 683,201,000 | 698,725,000 |
| Allowance for loan losses | 9,463,000 | 9,448,000 | 9,531,000 | 9,223,000 |
| Securities available for sale | 139,484,000 | 135,082,000 | 135,594,000 | 129,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 813,819,000 | 799,834,000 | 803,118,000 | 858,654,000 |
| Interest-bearing deposits | 642,811,000 | 628,666,000 | 628,447,000 | 686,101,000 |
| Noninterest-bearing deposits | 171,008,000 | 171,168,000 | 174,671,000 | 172,553,000 |
| Equity capital | 107,421,000 | 109,631,000 | 115,321,000 | 101,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 11,684,000 | 22,939,000 | 34,586,000 | 46,472,000 |
| Interest expense | 3,596,000 | 7,004,000 | 10,719,000 | 14,455,000 |
| Net interest income | 8,088,000 | 15,935,000 | 23,867,000 | 32,017,000 |
| Noninterest income | 1,621,000 | 3,176,000 | 4,674,000 | 6,218,000 |
| Noninterest expense | 6,755,000 | 13,263,000 | 19,496,000 | 25,687,000 |
| Provision for loan losses | 230,000 | 265,000 | 395,000 | 645,000 |
| Pretax income | 2,739,000 | 5,603,000 | 8,690,000 | 11,913,000 |
| Income tax | 644,000 | 1,317,000 | 2,042,000 | 2,755,000 |
| Net income | 2,095,000 | 4,286,000 | 6,648,000 | 9,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,406,000 | 119,598,000 | 121,965,000 | 110,073,000 |
| Total capital | 126,869,000 | 129,201,000 | 131,631,000 | 119,461,000 |
| Risk-weighted assets | 814,401,000 | 814,621,000 | 810,367,000 | 830,557,000 |