Home > BNC National Bank > Income and Expense
BNC National Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $23,764,000 | 1,366 |
| Total interest expense | $13,557,000 | 1,125 |
| Net interest income | $10,207,000 | 1,705 |
| Provision for loan and lease losses | $719,000 | 1,290 |
| Total noninterest income | $4,372,000 | 1,027 |
| Gross Fiduciary activities income | $300,000 | 772 |
| Service charges on deposit accounts | $432,000 | 3,004 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,640,000 | 790 |
| Total noninterest expense | $14,342,000 | 975 |
| Salaries and employee benefits | $6,993,000 | 986 |
| Premises and equipment expense | $1,569,000 | 1,293 |
| Additional noninterest expense | $5,780,000 | 867 |
| Pre-tax net operating income | $-482,000 | 9,831 |
| Securities gains (losses) | $107,000 | 713 |
| Applicable income taxes | $-211,000 | 10,039 |
| Income before extraordinary items | $-164,000 | 9,644 |
| Extraordinary gains, net | $-43,000 | 10,178 |
| Net income | $-207,000 | 9,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $891,000 | 766 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 329 |
| Net operating income | $-232,480 | 9,686 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,931,000 | 1,351 |
| Total interest expense | $13,439,000 | 1,145 |
| Net interest income | $10,492,000 | 1,624 |
| Provision for loan and lease losses | $871,000 | 1,103 |
| Total noninterest income | $3,276,000 | 1,262 |
| Gross Fiduciary activities income | $273,000 | 804 |
| Service charges on deposit accounts | $461,000 | 2,744 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,542,000 | 1,008 |
| Total noninterest expense | $10,658,000 | 1,241 |
| Salaries and employee benefits | $5,725,000 | 1,144 |
| Premises and equipment expense | $1,417,000 | 1,377 |
| Additional noninterest expense | $3,516,000 | 1,264 |
| Pre-tax net operating income | $2,239,000 | 3,048 |
| Securities gains (losses) | $130,000 | 1,128 |
| Applicable income taxes | $708,000 | 3,000 |
| Income before extraordinary items | $1,661,000 | 2,989 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,661,000 | 2,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,198,000 | 662 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,570,000 | 3,045 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $22,026,000 | 1,490 |
| Total interest expense | $11,332,000 | 1,389 |
| Net interest income | $10,694,000 | 1,616 |
| Provision for loan and lease losses | $2,260,000 | 531 |
| Total noninterest income | $1,284,000 | 2,480 |
| Gross Fiduciary activities income | $15,000 | 1,305 |
| Service charges on deposit accounts | $410,000 | 3,150 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $859,000 | 1,936 |
| Total noninterest expense | $7,327,000 | 1,773 |
| Salaries and employee benefits | $3,771,000 | 1,733 |
| Premises and equipment expense | $1,046,000 | 1,898 |
| Additional noninterest expense | $2,510,000 | 1,688 |
| Pre-tax net operating income | $2,391,000 | 3,026 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $909,000 | 2,638 |
| Income before extraordinary items | $1,490,000 | 3,382 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,490,000 | 3,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,142,000 | 733 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,484,880 | 3,320 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,283,000 | 1,650 |
| Total interest expense | $10,290,000 | 1,548 |
| Net interest income | $9,993,000 | 1,768 |
| Provision for loan and lease losses | $525,000 | 1,671 |
| Total noninterest income | $721,000 | 4,020 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $405,000 | 3,306 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $316,000 | 3,954 |
| Total noninterest expense | $6,107,000 | 2,248 |
| Salaries and employee benefits | $2,568,000 | 2,614 |
| Premises and equipment expense | $737,000 | 2,651 |
| Additional noninterest expense | $2,802,000 | 1,850 |
| Pre-tax net operating income | $4,082,000 | 1,761 |
| Securities gains (losses) | $19,000 | 2,034 |
| Applicable income taxes | $1,514,000 | 1,587 |
| Income before extraordinary items | $2,587,000 | 1,913 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,587,000 | 1,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,967 |
| Cash dividends | $700,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $820,000 | 409 |
| Net operating income | $2,574,840 | 1,885 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,443,000 | 2,487 |
| Total interest expense | $7,258,000 | 2,140 |
| Net interest income | $6,185,000 | 2,875 |
| Provision for loan and lease losses | $168,000 | 3,414 |
| Total noninterest income | $826,000 | 3,604 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $324,000 | 4,025 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $502,000 | 2,873 |
| Total noninterest expense | $5,002,000 | 2,719 |
| Salaries and employee benefits | $2,071,000 | 3,202 |
| Premises and equipment expense | $533,000 | 3,558 |
| Additional noninterest expense | $2,398,000 | 2,072 |
| Pre-tax net operating income | $1,841,000 | 3,765 |
| Securities gains (losses) | $-9,000 | 10,045 |
| Applicable income taxes | $629,000 | 3,548 |
| Income before extraordinary items | $1,203,000 | 3,950 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,203,000 | 3,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,208,940 | 3,924 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,711,000 | 5,948 |
| Total interest expense | $1,579,000 | 6,649 |
| Net interest income | $3,132,000 | 5,431 |
| Provision for loan and lease losses | $131,000 | 3,877 |
| Total noninterest income | $283,000 | 7,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,970 |
| Total noninterest expense | $2,226,000 | 5,681 |
| Salaries and employee benefits | $875,000 | 6,787 |
| Premises and equipment expense | $240,000 | 6,683 |
| Additional noninterest expense | $1,111,000 | 4,324 |
| Pre-tax net operating income | $1,058,000 | 5,728 |
| Securities gains (losses) | $26,000 | 1,570 |
| Applicable income taxes | $416,000 | 4,621 |
| Income before extraordinary items | $668,000 | 6,110 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $668,000 | 6,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $450,000 | 565 |
| Net operating income | $651,360 | 6,284 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,352,000 | 7,752 |
| Total interest expense | $1,233,000 | 8,137 |
| Net interest income | $2,119,000 | 7,385 |
| Provision for loan and lease losses | $44,000 | 7,799 |
| Total noninterest income | $152,000 | 10,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,494 |
| Total noninterest expense | $1,694,000 | 7,205 |
| Salaries and employee benefits | $673,000 | 8,192 |
| Premises and equipment expense | $190,000 | 7,890 |
| Additional noninterest expense | $831,000 | 5,749 |
| Pre-tax net operating income | $533,000 | 8,424 |
| Securities gains (losses) | $26,000 | 4,293 |
| Applicable income taxes | $191,000 | 7,790 |
| Income before extraordinary items | $368,000 | 8,760 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $368,000 | 8,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 6,359 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 852 |
| Net operating income | $350,840 | 8,668 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,632,000 | 9,664 |
| Total interest expense | $1,265,000 | 9,383 |
| Net interest income | $1,367,000 | 9,745 |
| Provision for loan and lease losses | $91,000 | 7,521 |
| Total noninterest income | $226,000 | 8,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 9,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 6,686 |
| Total noninterest expense | $1,439,000 | 8,140 |
| Salaries and employee benefits | $420,000 | 10,630 |
| Premises and equipment expense | $231,000 | 7,148 |
| Additional noninterest expense | $788,000 | 6,146 |
| Pre-tax net operating income | $63,000 | 12,327 |
| Securities gains (losses) | $21,000 | 5,524 |
| Applicable income taxes | $-6,000 | 13,384 |
| Income before extraordinary items | $90,000 | 12,074 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $90,000 | 12,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,100,000 | 394 |
| Net operating income | $69,000 | 12,076 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.