BNC National Bank in Bismarck, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 20, 2000

  • BNC National Bank in Bismarck, North Dakota (ND)
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BNC National Bank - Overview

  • General
  • FDIC Certificate #: 33149
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BNC National Bank (#34123)
    Federal Reserve ID: 1474224
    Date Established: September 21, 1990
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Interstate: No)
    OTS Docket #: 10743
    FDIC's unique #: 46385
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: September 21, 1990
    Last Structure Change Effective Date: November 20, 2000
    Last Structure Change Process Date: January 08, 2001
    Last Data Update: January 08, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 322 East Main Avenue, Bismarck, ND 58501
    County: Burleigh
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Fargo
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Bismarck, ND (#1010)
    Core Based Statistical Area (CBSA): Bismarck, ND (#13900)
    CBSA Metro Statistical Area: Bismarck, ND (#13900)
  • Financial Summary
  • Total assets: $390.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1999)

  • Dollar figures in thousands
  • 151Total employees (full-time equivalent)
  • $359,943Total assets
  • $11,779Cash and due from depository institutions
  • $203Interest-bearing balances
  • $111,398Securities
  • $28,280Federal funds sold & reverse repurchase agreements
  • $187,483Net loans & leases
  • $1,869Loan loss allowance
  • $0Trading account assets
  • $10,789Bank premises and fixed assets
  • $312Other real estate owned
  • $2,963Goodwill and other intangibles
  • $0Life insurance assets
  • $6,939All other assets
  • $359,943Total liabilities and capital
  • $335,158Total liabilities
  • $269,797Total deposits
  • $249,254Interest-bearing deposits
  • $269,797Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $59,500Other borrowed funds
  • $0Subordinated debt
  • $4,361All other liabilities
  • $24,785Total equity capital
  • $24,785Total bank equity capital
  • $24,785Perpetual preferred stock
  • $0Common stock
  • $3,961Surplus
  • $13,778Undivided profits
  • Memoranda
  • $7,046Noncurrent loans and leases
  • $54,679Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $991Earning assets
  • $312Long-term assets (5+ years)
  • $1,264Average Assets, year-to-date
  • $327,364Average Assets, quarterly
  • $99,386Volatile liabilities
  • $328,539Insider loans
  • $345,599FHLB advances
  • $66,015Loans and leases held for sale
  • $1,131Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,000Tier 2 risk-based capital
  • $174Total risk weighted assets
  • $54,679Total unused commitments
  • $0Restructured Loans and leases
  • $1,869Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $23,764Total interest income
  • $13,557Total interest expense
  • $10,207Net interest income
  • $719Provision for loan and lease losses
  • $4,372Total noninterest income
  • $300Fiduciary activities
  • $432Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,640Additional noninterest income
  • $14,342Total noninterest expense
  • $6,993Salaries and employee benefits
  • $1,569Premises and equipment expense
  • $5,780Additional noninterest expense
  • -$482Pre-tax net operating income
  • $107Securities gains (losses)
  • -$211Applicable income taxes
  • -$164Income before extraordinary items
  • -$43Extraordinary gains - net
  • -$207Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $891Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.89%Yield on earning assets
  • 4.50%Cost of funding earning assets
  • 3.39%Net interest margin
  • 1.45%Noninterest income to earning assets
  • 4.76%Noninterest expense to earning assets
  • -0.07%Net operating income to assets
  • -0.06%Return on assets (ROA)
  • -0.13%Pretax return on assets
  • -0.88%Return on equity (ROE)
  • -0.88%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 80.70%Credit loss provision to net charge-offs
  • 0.27%Efficiency ratio
  • 94,910Assets per employee
  • 2.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 188.60%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.52%Net loans and leases to deposits
  • 69.49%Net loans and leases to core deposits
  • 75.82%Equity capital to assets
  • 6.89%Core capital (leverage) ratio
  • 6.90%Tier 1 risk-based capital ratio
  • 10.14%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $328,539Average earning assets
  • $23,420Average equity
  • $301,120Average loans

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