BNC National Bank in Glendale, Arizona (AZ), ND, MN
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| BNC National Bank | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 256 |
| Total assets | $662,437 |
| Cash and due from depository institutions | $16,690 |
| Interest-bearing balances | $4,961 |
| Securities | $242,630 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $351,203 |
| Loan loss allowance | $10,630 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $16,084 |
| Other real estate owned | $10,145 |
| Goodwill and other intangibles | $0 |
| All other assets | $25,685 |
| Life insurance assets | $662,437 |
| Total liabilities and capital | $595,345 |
| Total liabilities | $576,891 |
| Total deposits | $460,023 |
| Interest-bearing deposits | $576,891 |
| Deposits held in domestic offices | $90 |
| % insured (estimated) | 8634.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $9,820 |
| All other liabilities | $67,092 |
| Total equity capital | $67,092 |
| Total bank equity capital | $67,092 |
| Perpetual preferred stock | $0 |
| Common stock | $1,500 |
| Surplus | $58,693 |
| Undivided profits | $6,899 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $68,622 |
| Income earned, not collected on loans | $6,169 |
| Earning assets | $12 |
| Long-term assets (5+ years) | $2,411 |
| Average Assets, year-to-date | $598,794 |
| Average Assets, quarterly | $235,734 |
| Volatile liabilities | $677,234 |
| Insider loans | $664,602 |
| FHLB advances | $372,495 |
| Loans and leases held for sale | $670,775 |
| Unused loan commitments | $14,146 |
| Tier 1 (core) risk-based capital | $14,146 |
| Tier 2 risk-based capital | $63,124 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $88,478 |
| Derivatives | $1,504 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $25,747 |
| Total interest expense | $4,909 |
| Net interest income | $20,838 |
| Provision for loan and lease losses | $1,625 |
| Total noninterest income | $15,571 |
| Fiduciary activities | $1,191 |
| Service charges on deposit accounts | $768 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $13,612 |
| Total noninterest expense | $31,591 |
| Salaries and employee benefits | $14,323 |
| Premises and equipment expense | $4,502 |
| Additional noninterest expense | $12,766 |
| Pre-tax net operating income | $3,193 |
| Securities gains (losses) | $2,830 |
| Applicable income taxes | $5 |
| Income before extraordinary items | $6,018 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $6,018 |
| Net charge-offs | $0 |
| Cash dividends | $6,018 |
| Sale, conversion, retirement of capital stock, net | $5,840 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.20% |
| Cost of funding earning assets | 0.80% |
| Net interest margin | 3.40% |
| Noninterest income to earning assets | 2.54% |
| Noninterest expense to earning assets | 5.15% |
| Net operating income to assets | 0.47% |
| Return on assets (ROA) | 0.89% |
| Pretax return on assets | 0.89% |
| Return on equity (ROE) | 9.69% |
| Retained earnings to average equity (YTD only) | 9.69% |
| Net charge-offs to loans | 1.58% |
| Credit loss provision to net charge-offs | 27.83% |
| Efficiency ratio | 0.82% |
| Assets per employee | $86,767 |
| Cash dividends to net income (YTD only) | 2.59% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.94% |
| Noncurrent assets plus other real estate owned to assets | 172.31% |
| Noncurrent loans to loans | 2.46% |
| Net loans and leases to deposits | 1.70% |
| Net loans and leases to core deposits | 60.88% |
| Equity capital to assets | 73.49% |
| Core capital (leverage) ratio | 10.13% |
| Tier 1 risk-based capital ratio | 9.41% |
| Total risk-based capital ratio | 16.95% |
| Memoranda | |
| Average assets | $18 |
| Average earning assets | $677,234 |
| Average equity | $62,132 |
| Average loans | $612,848 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $196,330 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $115,779 |
| Employee benefit-defined contribution accounts | $86,562 |
| Employee benefit-defined benefit accounts | $2,456 |
| Other retirement accounts | $756 |
| Corporate trust and agency accounts | $7,195 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $16,049 |
| Fiduciary accounts held in foreign offices | $2,761 |
| Non-managed Assets | $0 |
| Number of Accounts | 266 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $6,786 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $80,551 |
| Corporate trust and agency accounts | $15,292 |
| Other fiduciary accounts | $59,218 |
| Fiduciary accounts held in foreign offices | $4,865 |
| 3 Arizona Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 359425 | Bnc National Bank | 20175 North 67th Avenue, Glendale, AZ 85308 | July 09, 2001 | Full Service Brick and Mortar |  |
| 17 | 365327 | Camelback Branch | 2425 East Camelback Road, Suite 100, Phoenix, AZ 85016 | July 09, 2001 | Full Service Brick and Mortar |  |
| 26 | 522088 | Perimeter Branch | 17550 North Perimeter Drive, Scottsdale, AZ 85255 | December 17, 2010 | Full Service Brick and Mortar | |
| 4 Minnesota Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 2 | 56266 | Bnc Minneapolis Branch | 733 Marquette Avenue South, Minneapolis, MN 55402 | January 22, 1996 | Full Service Brick and Mortar | |
| 20 | 428673 | Golden Valley Branch | 650 Douglas Drive, Golden Valley, MN 55422 | April 26, 2004 | Full Service Brick and Mortar | |
| 22 | 433243 | Heathers Manor Branch | 3000 North Douglas Drive, Crystal, MN 55422 | November 09, 2004 | Limited Service Mobile | |
| 23 | 433244 | Heathers Estate Branch | 2900 North Douglas Drive, Crystal, MN 55422 | November 09, 2004 | Limited Service Mobile | |
| 13 North Dakota Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 3 | 46385 | Bnc National Bank Branch | 322 East Main Avenue, Bismarck, ND 58501 | September 21, 1990 | Full Service Brick and Mortar | |
| 4 | 289273 | Auto Bank Branch | 219 South Third Street, Bismarck, ND 58501 | April 27, 1992 | Limited Service Facility | |
| 5 | 2570 | Linton Branch | 104 North Broadway, Linton, ND 58552 | January 01, 1909 | Full Service Brick and Mortar | |
| 7 | 266246 | Watford City Branch | 205 North Main Street, Watford City, ND 58854 | January 01, 1926 | Full Service Brick and Mortar | |
| 8 | 266247 | Crosby Branch | 107 North Main Street, Crosby, ND 58730 | January 01, 1926 | Full Service Brick and Mortar | |
| 9 | 264114 | Garrison Branch | 92 North Main Street, Garrison, ND 58540 | June 30, 1985 | Full Service Brick and Mortar | |
| 10 | 264115 | Kenmare Branch | 103 First Avenue, S.E., Kenmare, ND 58746 | December 31, 1975 | Full Service Brick and Mortar | |
| 11 | 264116 | Stanley Branch | 210 South Main Street, Stanley, ND 58784 | December 31, 1975 | Full Service Brick and Mortar | |
| 12 | 289274 | Bnc Financial Services | 116 N 4th Street, Bismarck, ND 58501 | January 01, 1997 | Limited Service Trust | |
| 13 | 289275 | North Branch | 801 East Century Avenue, Bismarck, ND 58501 | December 10, 1997 | Full Service Brick and Mortar | |
| 15 | 289277 | Primrose Assisted Living Apt. B | 1144 College Drive, Bismarck, ND 58501 | January 31, 2000 | Limited Service Mobile | |
| 16 | 289278 | Waterford On West Century Branch | 1000 West Century Avenue, Bismarck, ND 58501 | January 31, 2000 | Limited Service Mobile | |
| 21 | 433242 | Messenger Service Branch | 322 East Main Avenue, Bismarck, ND 58504 | August 03, 2004 | Limited Service Messenger | |
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