BNC National Bank in Glendale, Arizona (AZ), ND, MN
Overview, Financial Summary, Detailed Financial Reports, Branches


BNC National Bank - Overview

  • General
  • FDIC Certificate #: 57197
    Status: Active
    Federal Reserve ID: 2358769
    Bank Holding Company (Regulatory Top Holder): Bnccorp, Inc. (RSSDID: 1248162, Location: Bismarck, ND)
    Date Established: July 09, 2001
    WWW: http://www.bncbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 20 (Domestic: 20, Interstate: Yes)
    FDIC's unique #: 359425
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 09, 2001
    Last Structure Change Effective Date: December 20, 2010
    Last Structure Change Process Date: April 14, 2011
    Last Data Update: April 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 20175 North 67th Avenue, Glendale, AZ 85308
    County: Maricopa
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Phoenix
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Phoenix-Mesa, AZ (#6200)
    Core Based Statistical Area (CBSA): Phoenix-Mesa-Glendale, AZ (#38060)
    CBSA Metro Statistical Area: Phoenix-Mesa-Glendale, AZ (#38060)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $662.4 mil
    Equity capital: $67.1 mil
    Deposits held in domestic offices: $576.9 mil
    Return on assets (ROA): 0.89% ($5.9 mil)
    Quarterly return on assets: 1.13% ($7.5 mil)
    Return on Equity (ROE): 9.69% ($6.5 mil)
    Quarterly return on equity: 11.44% ($7.7 mil)
    Net income: $6.0 mil
    Quarterly Net income: $1.9 mil
    Pretax return on assets: 0.89% ($5,895.7 mil)
    Quarterly Pretax return on assets: 1.13% ($7,485.5 mil)

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 256Total employees (full-time equivalent)
  • $662,437Total assets
  • $16,690Cash and due from depository institutions
  • $4,961Interest-bearing balances
  • $242,630Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $351,203Net loans & leases
  • $10,630Loan loss allowance
  • $0Trading account assets
  • $16,084Bank premises and fixed assets
  • $10,145Other real estate owned
  • $0Goodwill and other intangibles
  • $662,437Life insurance assets
  • $25,685All other assets
  • $595,345Total liabilities and capital
  • $576,891Total liabilities
  • $460,023Total deposits
  • $576,891Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 8634.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $9,820Subordinated debt
  • $67,092All other liabilities
  • $67,092Total equity capital
  • $67,092Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $58,693Surplus
  • $6,899Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $68,622Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,169Income earned, not collected on loans
  • $12Earning assets
  • $2,411Long-term assets (5+ years)
  • $598,794Average Assets, year-to-date
  • $235,734Average Assets, quarterly
  • $677,234Volatile liabilities
  • $664,602Insider loans
  • $372,495FHLB advances
  • $670,775Loans and leases held for sale
  • $14,146Unused loan commitments
  • $14,146Tier 1 (core) risk-based capital
  • $63,124Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $88,478Restructured Loans and leases
  • $1,504Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,747Total interest income
  • $4,909Total interest expense
  • $20,838Net interest income
  • $1,625Provision for loan and lease losses
  • $15,571Total noninterest income
  • $1,191Fiduciary activities
  • $768Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13,612Additional noninterest income
  • $31,591Total noninterest expense
  • $14,323Salaries and employee benefits
  • $4,502Premises and equipment expense
  • $12,766Additional noninterest expense
  • $3,193Pre-tax net operating income
  • $2,830Securities gains (losses)
  • $5Applicable income taxes
  • $6,018Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,018Net income attributable to bank
  • $0Net charge-offs
  • $6,018Cash dividends
  • $5,840Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.40%Net interest margin
  • 2.54%Noninterest income to earning assets
  • 5.15%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 9.69%Return on equity (ROE)
  • 9.69%Retained earnings to average equity (YTD only)
  • 1.58%Net charge-offs to loans
  • 27.83%Credit loss provision to net charge-offs
  • 0.82%Efficiency ratio
  • 86,767Assets per employee
  • 2.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.94%Loss allowance to noncurrent loans
  • 172.31%Noncurrent assets plus other real estate owned to assets
  • 2.46%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 60.88%Net loans and leases to core deposits
  • 73.49%Equity capital to assets
  • 10.13%Core capital (leverage) ratio
  • 9.41%Tier 1 risk-based capital ratio
  • 16.95%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $677,234Average earning assets
  • $62,132Average equity
  • $612,848Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $196,330Managed Assets
  • 1Number of Accounts
  • $115,779Personal trust and agency accounts
  • $86,562Employee benefit-defined contribution accounts
  • $2,456Employee benefit-defined benefit accounts
  • $756Other retirement accounts
  • $7,195Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $16,049Other fiduciary accounts
  • $2,761Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 266Number of Accounts
  • $0Personal trust and agency accounts
  • $6,786Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $80,551Other retirement accounts
  • $15,292Corporate trust and agency accounts
  • $59,218Other fiduciary accounts
  • $4,865Fiduciary accounts held in foreign offices

List of branches

  • 3 Arizona Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0359425Bnc National Bank20175 North 67th Avenue, Glendale, AZ 85308July 09, 2001Full Service Brick and Mortar
    17365327Camelback Branch2425 East Camelback Road, Suite 100, Phoenix, AZ 85016July 09, 2001Full Service Brick and Mortar
    26522088Perimeter Branch17550 North Perimeter Drive, Scottsdale, AZ 85255December 17, 2010Full Service Brick and Mortar
  • 4 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    256266Bnc Minneapolis Branch733 Marquette Avenue South, Minneapolis, MN 55402January 22, 1996Full Service Brick and Mortar
    20428673Golden Valley Branch650 Douglas Drive, Golden Valley, MN 55422April 26, 2004Full Service Brick and Mortar
    22433243Heathers Manor Branch3000 North Douglas Drive, Crystal, MN 55422November 09, 2004Limited Service Mobile
    23433244Heathers Estate Branch2900 North Douglas Drive, Crystal, MN 55422November 09, 2004Limited Service Mobile
  • 13 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    346385Bnc National Bank Branch322 East Main Avenue, Bismarck, ND 58501September 21, 1990Full Service Brick and Mortar
    4289273Auto Bank Branch219 South Third Street, Bismarck, ND 58501April 27, 1992Limited Service Facility
    52570Linton Branch104 North Broadway, Linton, ND 58552January 01, 1909Full Service Brick and Mortar
    7266246Watford City Branch205 North Main Street, Watford City, ND 58854January 01, 1926Full Service Brick and Mortar
    8266247Crosby Branch107 North Main Street, Crosby, ND 58730January 01, 1926Full Service Brick and Mortar
    9264114Garrison Branch92 North Main Street, Garrison, ND 58540June 30, 1985Full Service Brick and Mortar
    10264115Kenmare Branch103 First Avenue, S.E., Kenmare, ND 58746December 31, 1975Full Service Brick and Mortar
    11264116Stanley Branch210 South Main Street, Stanley, ND 58784December 31, 1975Full Service Brick and Mortar
    12289274Bnc Financial Services116 N 4th Street, Bismarck, ND 58501January 01, 1997Limited Service Trust
    13289275North Branch801 East Century Avenue, Bismarck, ND 58501December 10, 1997Full Service Brick and Mortar
    15289277Primrose Assisted Living Apt. B1144 College Drive, Bismarck, ND 58501January 31, 2000Limited Service Mobile
    16289278Waterford On West Century Branch1000 West Century Avenue, Bismarck, ND 58501January 31, 2000Limited Service Mobile
    21433242Messenger Service Branch322 East Main Avenue, Bismarck, ND 58504August 03, 2004Limited Service Messenger

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