Call reports 2025
BNC NATIONAL BANK — 2025
What BNC NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 965,171,000 | 940,407,000 | 1,002,111,000 | 1,098,773,000 |
| Total loans | 699,266,000 | 739,151,000 | 732,832,000 | 738,700,000 |
| Allowance for loan losses | 9,311,000 | 9,150,000 | 9,313,000 | 10,318,000 |
| Securities available for sale | 127,824,000 | 123,438,000 | 118,415,000 | 114,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 855,762,000 | 827,713,000 | 884,908,000 | 977,765,000 |
| Interest-bearing deposits | 686,217,000 | 646,761,000 | 707,016,000 | 800,150,000 |
| Noninterest-bearing deposits | 169,545,000 | 180,952,000 | 177,892,000 | 177,615,000 |
| Equity capital | 105,074,000 | 108,324,000 | 112,118,000 | 115,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,003,000 | 24,545,000 | 37,913,000 | 51,491,000 |
| Interest expense | 3,949,000 | 7,821,000 | 12,103,000 | 16,487,000 |
| Net interest income | 8,054,000 | 16,724,000 | 25,810,000 | 35,004,000 |
| Noninterest income | 1,471,000 | 2,984,000 | 4,461,000 | 6,036,000 |
| Noninterest expense | 6,756,000 | 13,370,000 | 19,939,000 | 26,490,000 |
| Provision for loan losses | 130,000 | 380,000 | 536,000 | 1,645,000 |
| Pretax income | 2,669,000 | 6,013,000 | 9,842,000 | 12,955,000 |
| Income tax | 627,000 | 1,413,000 | 2,313,000 | 3,047,000 |
| Net income | 2,042,000 | 4,600,000 | 7,529,000 | 9,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,119,000 | 114,678,000 | 117,684,000 | 120,062,000 |
| Total capital | 121,566,000 | 123,938,000 | 127,117,000 | 130,495,000 |
| Risk-weighted assets | 827,111,000 | 861,086,000 | 859,151,000 | 859,021,000 |