Home > BNC National Bank > Assets and Liabilities
BNC National Bank, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 151 | 1,115 |
| Assets and Liabilities | ||
| Total Assets: | $359,943,000 | 1,315 |
| Cash and due from depository institutions | $11,779,000 | 1,115 |
| Interest-bearing balances | $203,000 | 3,957 |
| Securities | $111,398,000 | 1,027 |
| Federal funds sold & reverse repurchase agreements | $28,280,000 | 387 |
| Net loans & leases | $187,483,000 | 1,619 |
| Loan loss allowance | $1,869,000 | 1,967 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $10,789,000 | 716 |
| Other real estate owned | $312,000 | 1,115 |
| Goodwill and other intangibles | $2,963,000 | 866 |
| All other assets | $6,939,000 | 1,364 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $359,943,000 | 1,315 |
| Total liabilities | $335,158,000 | 1,278 |
| Total deposits | $269,797,000 | 1,391 |
| Interest-bearing deposits | $249,254,000 | 1,303 |
| Deposits held in domestic offices | $269,797,000 | 1,387 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,500,000 | 2,732 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $59,500,000 | 667 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $4,361,000 | 1,036 |
| Total equity capital | $24,785,000 | 1,790 |
| Total bank equity capital | $24,785,000 | 1,790 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $3,961,000 | 988 |
| Surplus | $13,778,000 | 1,241 |
| Undivided profits | $7,046,000 | 3,246 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $991,000 | 2,183 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $312,000 | 413 |
| Income earned, not collected on loans | $1,264,000 | 1,756 |
| Earning assets | $327,364,000 | 1,315 |
| Long-term assets (5+ years) | $99,386,000 | 959 |
| Average Assets, year-to-date | $328,539,400 | 1,384 |
| Average Assets, quarterly | $345,599,000 | 1,352 |
| Volatile liabilities | $66,015,000 | 1,321 |
| Insider loans | $1,131,000 | 3,462 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $174,000 | 1,228 |
| Unused loan commitments | $54,679,000 | 1,118 |
| Tier 1 (core) risk-based capital | $23,726,000 | 1,843 |
| Tier 2 risk-based capital | $1,869,000 | 1,815 |
| Total risk weighted assets | $233,932,600 | 1,334 |
| Total unused commitments | $54,679,000 | 1,121 |
| Derivatives | $25,000,000 | 293 |
| 1998-12-31 | Rank | |
| # of Employees: | 150 | 1,122 |
| Assets and Liabilities | ||
| Total Assets: | $318,216,000 | 1,430 |
| Cash and due from depository institutions | $7,189,000 | 1,122 |
| Interest-bearing balances | $250,000 | 4,113 |
| Securities | $94,675,000 | 1,224 |
| Federal funds sold & reverse repurchase agreements | $21,065,000 | 762 |
| Net loans & leases | $177,136,000 | 1,587 |
| Loan loss allowance | $2,041,000 | 1,730 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $7,772,000 | 974 |
| Other real estate owned | $1,605,000 | 1,122 |
| Goodwill and other intangibles | $3,537,000 | 730 |
| All other assets | $5,237,000 | 1,492 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $318,216,000 | 1,430 |
| Total liabilities | $294,678,000 | 1,394 |
| Total deposits | $240,263,000 | 1,553 |
| Interest-bearing deposits | $223,845,000 | 1,420 |
| Deposits held in domestic offices | $240,263,000 | 1,548 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $22,203,000 | 707 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $26,547,000 | 867 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $5,665,000 | 914 |
| Total equity capital | $23,538,000 | 1,895 |
| Total bank equity capital | $23,538,000 | 1,895 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $3,961,000 | 947 |
| Surplus | $10,248,000 | 1,510 |
| Undivided profits | $9,329,000 | 2,746 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,596,000 | 1,584 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,421,000 | 1,494 |
| Earning assets | $293,126,000 | 1,421 |
| Long-term assets (5+ years) | $64,171,000 | 1,289 |
| Average Assets, year-to-date | $312,986,800 | 1,386 |
| Average Assets, quarterly | $318,366,500 | 1,409 |
| Volatile liabilities | $48,511,000 | 1,428 |
| Insider loans | $1,536,000 | 2,603 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $521,000 | 1,257 |
| Unused loan commitments | $50,368,000 | 1,125 |
| Tier 1 (core) risk-based capital | $19,858,000 | 2,157 |
| Tier 2 risk-based capital | $2,041,000 | 1,588 |
| Total risk weighted assets | $213,614,300 | 1,342 |
| Total unused commitments | $50,368,000 | 1,129 |
| Derivatives | $25,000,000 | 305 |
| 1997-12-31 | Rank | |
| # of Employees: | 106 | 1,657 |
| Assets and Liabilities | ||
| Total Assets: | $309,063,000 | 1,484 |
| Cash and due from depository institutions | $12,620,000 | 1,657 |
| Interest-bearing balances | $187,000 | 4,110 |
| Securities | $92,723,000 | 1,242 |
| Federal funds sold & reverse repurchase agreements | $23,080,000 | 578 |
| Net loans & leases | $165,232,000 | 1,708 |
| Loan loss allowance | $2,368,000 | 1,534 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $7,624,000 | 986 |
| Other real estate owned | $0 | 1,657 |
| Goodwill and other intangibles | $3,693,000 | 682 |
| All other assets | $4,091,000 | 1,811 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $309,063,000 | 1,484 |
| Total liabilities | $286,031,000 | 1,454 |
| Total deposits | $236,056,000 | 1,573 |
| Interest-bearing deposits | $219,912,000 | 1,461 |
| Deposits held in domestic offices | $236,056,000 | 1,564 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,500,000 | 1,429 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $40,081,000 | 646 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $4,394,000 | 1,121 |
| Total equity capital | $23,032,000 | 1,945 |
| Total bank equity capital | $23,032,000 | 1,945 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,961,000 | 942 |
| Surplus | $10,230,000 | 1,511 |
| Undivided profits | $8,841,000 | 2,827 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,151,000 | 2,198 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,611,000 | 1,346 |
| Earning assets | $281,222,000 | 1,495 |
| Long-term assets (5+ years) | $44,513,000 | 1,518 |
| Average Assets, year-to-date | $275,267,400 | 1,568 |
| Average Assets, quarterly | $291,243,000 | 1,537 |
| Volatile liabilities | $57,884,000 | 1,255 |
| Insider loans | $1,009,000 | 3,539 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $178,000 | 1,340 |
| Unused loan commitments | $38,682,000 | 1,310 |
| Tier 1 (core) risk-based capital | $19,168,000 | 2,231 |
| Tier 2 risk-based capital | $2,368,000 | 1,317 |
| Total risk weighted assets | $200,168,400 | 1,420 |
| Total unused commitments | $38,682,000 | 1,314 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 82 | 2,290 |
| Assets and Liabilities | ||
| Total Assets: | $257,742,000 | 1,813 |
| Cash and due from depository institutions | $5,347,000 | 2,290 |
| Interest-bearing balances | $53,000 | 5,354 |
| Securities | $58,295,000 | 2,081 |
| Federal funds sold & reverse repurchase agreements | $21,810,000 | 603 |
| Net loans & leases | $160,006,000 | 1,806 |
| Loan loss allowance | $1,250,000 | 2,880 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $5,742,000 | 1,370 |
| Other real estate owned | $159,000 | 2,290 |
| Goodwill and other intangibles | $3,612,000 | 654 |
| All other assets | $2,771,000 | 2,641 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $257,742,000 | 1,813 |
| Total liabilities | $236,330,000 | 1,782 |
| Total deposits | $221,298,000 | 1,736 |
| Interest-bearing deposits | $203,826,000 | 1,640 |
| Deposits held in domestic offices | $221,298,000 | 1,725 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,158,000 | 2,664 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $10,000,000 | 1,323 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $3,874,000 | 1,207 |
| Total equity capital | $21,412,000 | 2,094 |
| Total bank equity capital | $21,412,000 | 2,094 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $3,961,000 | 996 |
| Surplus | $10,230,000 | 1,565 |
| Undivided profits | $7,221,000 | 3,329 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $151,000 | 7,332 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,687,000 | 1,274 |
| Earning assets | $240,164,000 | 1,785 |
| Long-term assets (5+ years) | $40,125,000 | 1,556 |
| Average Assets, year-to-date | $244,408,600 | 1,844 |
| Average Assets, quarterly | $256,092,500 | 1,808 |
| Volatile liabilities | $43,954,000 | 1,528 |
| Insider loans | $742,000 | 4,413 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $110,000 | 1,369 |
| Unused loan commitments | $42,417,000 | 1,199 |
| Tier 1 (core) risk-based capital | $17,759,000 | 2,443 |
| Tier 2 risk-based capital | $1,250,000 | 2,414 |
| Total risk weighted assets | $183,055,900 | 1,572 |
| Total unused commitments | $42,417,000 | 1,204 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 75 | 2,581 |
| Assets and Liabilities | ||
| Total Assets: | $233,094,000 | 2,019 |
| Cash and due from depository institutions | $5,180,000 | 2,581 |
| Interest-bearing balances | $44,000 | 5,818 |
| Securities | $94,416,000 | 1,321 |
| Federal funds sold & reverse repurchase agreements | $2,950,000 | 4,418 |
| Net loans & leases | $119,089,000 | 2,326 |
| Loan loss allowance | $1,048,000 | 3,376 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $5,536,000 | 1,399 |
| Other real estate owned | $0 | 2,581 |
| Goodwill and other intangibles | $3,759,000 | 619 |
| All other assets | $2,164,000 | 3,383 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $233,094,000 | 2,019 |
| Total liabilities | $216,177,000 | 1,951 |
| Total deposits | $211,043,000 | 1,841 |
| Interest-bearing deposits | $194,174,000 | 1,745 |
| Deposits held in domestic offices | $211,043,000 | 1,828 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $1,000,000 | 2,875 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $4,134,000 | 1,193 |
| Total equity capital | $16,917,000 | 2,639 |
| Total bank equity capital | $16,917,000 | 2,639 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $3,441,000 | 1,139 |
| Surplus | $8,050,000 | 1,928 |
| Undivided profits | $5,426,000 | 4,245 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $21,000 | 10,137 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $1,356,000 | 1,660 |
| Earning assets | $216,499,000 | 1,990 |
| Long-term assets (5+ years) | $54,440,000 | 1,104 |
| Average Assets, year-to-date | $164,851,200 | 2,699 |
| Average Assets, quarterly | $231,025,000 | 2,014 |
| Volatile liabilities | $17,576,000 | 2,939 |
| Insider loans | $805,000 | 4,299 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $535,000 | 997 |
| Unused loan commitments | $28,147,000 | 1,565 |
| Tier 1 (core) risk-based capital | $13,025,000 | 3,271 |
| Tier 2 risk-based capital | $1,048,000 | 2,784 |
| Total risk weighted assets | $139,805,100 | 1,993 |
| Total unused commitments | $28,147,000 | 1,575 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 25 | 7,052 |
| Assets and Liabilities | ||
| Total Assets: | $61,657,000 | 6,526 |
| Cash and due from depository institutions | $3,145,000 | 7,052 |
| Interest-bearing balances | $39,000 | 6,224 |
| Securities | $7,704,000 | 9,655 |
| Federal funds sold & reverse repurchase agreements | $50,000 | 8,249 |
| Net loans & leases | $46,357,000 | 5,194 |
| Loan loss allowance | $332,000 | 7,979 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $3,439,000 | 2,165 |
| Other real estate owned | $0 | 7,052 |
| Goodwill and other intangibles | $302,000 | 1,725 |
| All other assets | $660,000 | 8,506 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $61,657,000 | 6,526 |
| Total liabilities | $56,646,000 | 6,446 |
| Total deposits | $50,790,000 | 6,731 |
| Interest-bearing deposits | $40,985,000 | 6,983 |
| Deposits held in domestic offices | $50,790,000 | 6,724 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,025,000 | 2,626 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $3,000,000 | 2,155 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $831,000 | 3,518 |
| Total equity capital | $5,011,000 | 7,124 |
| Total bank equity capital | $5,011,000 | 7,124 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $3,141,000 | 1,228 |
| Surplus | $1,004,000 | 7,900 |
| Undivided profits | $866,000 | 9,369 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,000 | 11,433 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $499,000 | 4,237 |
| Earning assets | $54,150,000 | 6,708 |
| Long-term assets (5+ years) | $3,520,000 | 6,994 |
| Average Assets, year-to-date | $51,205,400 | 7,299 |
| Average Assets, quarterly | $58,989,000 | 6,696 |
| Volatile liabilities | $11,056,000 | 4,041 |
| Insider loans | $944,000 | 3,863 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $18,594,000 | 2,036 |
| Tier 1 (core) risk-based capital | $4,720,000 | 7,516 |
| Tier 2 risk-based capital | $332,000 | 7,060 |
| Total risk weighted assets | $49,846,100 | 4,958 |
| Total unused commitments | $18,594,000 | 2,047 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 21 | 8,210 |
| Assets and Liabilities | ||
| Total Assets: | $41,031,000 | 8,691 |
| Cash and due from depository institutions | $1,794,000 | 8,210 |
| Interest-bearing balances | $83,000 | 6,936 |
| Securities | $2,543,000 | 12,344 |
| Federal funds sold & reverse repurchase agreements | $250,000 | 9,779 |
| Net loans & leases | $32,240,000 | 6,671 |
| Loan loss allowance | $201,000 | 10,230 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,451,000 | 2,123 |
| Other real estate owned | $0 | 8,210 |
| Goodwill and other intangibles | $354,000 | 1,538 |
| All other assets | $399,000 | 10,300 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,031,000 | 8,691 |
| Total liabilities | $37,127,000 | 8,692 |
| Total deposits | $35,676,000 | 8,731 |
| Interest-bearing deposits | $28,085,000 | 9,122 |
| Deposits held in domestic offices | $35,676,000 | 8,725 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $981,000 | 2,818 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $470,000 | 5,604 |
| Total equity capital | $3,904,000 | 8,504 |
| Total bank equity capital | $3,904,000 | 8,504 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,993,000 | 1,362 |
| Surplus | $702,000 | 9,428 |
| Undivided profits | $209,000 | 11,668 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 12,424 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $220,000 | 7,662 |
| Earning assets | $35,116,000 | 9,015 |
| Long-term assets (5+ years) | $4,306,000 | 6,868 |
| Average Assets, year-to-date | $38,562,200 | 8,882 |
| Average Assets, quarterly | $40,554,500 | 8,695 |
| Volatile liabilities | $3,405,000 | 7,935 |
| Insider loans | $168,000 | 8,732 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $119,000 | 1,542 |
| Unused loan commitments | $12,480,000 | 2,635 |
| Tier 1 (core) risk-based capital | $3,550,000 | 8,897 |
| Tier 2 risk-based capital | $201,000 | 9,342 |
| Total risk weighted assets | $37,486,900 | 6,210 |
| Total unused commitments | $12,480,000 | 2,658 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 21 | 8,413 |
| Assets and Liabilities | ||
| Total Assets: | $35,770,000 | 9,577 |
| Cash and due from depository institutions | $2,361,000 | 8,413 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $4,314,000 | 11,958 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $24,926,000 | 7,911 |
| Loan loss allowance | $200,000 | 10,498 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $3,355,000 | 2,205 |
| Other real estate owned | $0 | 8,413 |
| Goodwill and other intangibles | $407,000 | 1,457 |
| All other assets | $407,000 | 10,615 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $35,770,000 | 9,577 |
| Total liabilities | $32,354,000 | 9,560 |
| Total deposits | $30,881,000 | 9,667 |
| Interest-bearing deposits | $27,512,000 | 9,471 |
| Deposits held in domestic offices | $30,881,000 | 9,662 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,000,000 | 2,539 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $473,000 | 6,059 |
| Total equity capital | $3,416,000 | 9,064 |
| Total bank equity capital | $3,416,000 | 9,064 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,952,000 | 1,402 |
| Surplus | $623,000 | 9,969 |
| Undivided profits | $-159,000 | 12,840 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $113,000 | 9,826 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $188,000 | 8,964 |
| Earning assets | $29,240,000 | 10,068 |
| Long-term assets (5+ years) | $4,884,000 | 6,583 |
| Average Assets, year-to-date | $31,792,400 | 10,012 |
| Average Assets, quarterly | $35,092,000 | 9,605 |
| Volatile liabilities | $4,467,000 | 7,010 |
| Insider loans | $631,000 | 1,427 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $7,611,000 | 3,521 |
| Tier 1 (core) risk-based capital | $3,009,000 | 9,661 |
| Tier 2 risk-based capital | $200,000 | 9,432 |
| Total risk weighted assets | $30,160,100 | 7,293 |
| Total unused commitments | $7,611,000 | 3,539 |
| Derivatives | $0 | 651 |