Home > BNC National Bank > Assets and Liabilities
BNC National Bank, Assets and Liabilities
| 2001-12-31 | Rank | |
| # of Employees: | 190 | 847 |
| Assets and Liabilities | ||
| Total Assets: | $573,163,000 | 891 |
| Cash and due from depository institutions | $15,541,000 | 847 |
| Interest-bearing balances | $126,000 | 4,853 |
| Securities | $209,141,000 | 581 |
| Federal funds sold & reverse repurchase agreements | $11,065,000 | 1,313 |
| Net loans & leases | $306,022,000 | 1,082 |
| Loan loss allowance | $4,182,000 | 997 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $14,521,000 | 535 |
| Other real estate owned | $0 | 847 |
| Goodwill and other intangibles | $2,017,000 | 1,044 |
| All other assets | $14,856,000 | 889 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $573,163,000 | 891 |
| Total liabilities | $529,585,000 | 875 |
| Total deposits | $405,656,000 | 987 |
| Interest-bearing deposits | $365,481,000 | 941 |
| Deposits held in domestic offices | $405,656,000 | 985 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $747,000 | 2,780 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $117,213,000 | 427 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $5,969,000 | 877 |
| Total equity capital | $43,578,000 | 1,127 |
| Total bank equity capital | $43,578,000 | 1,127 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $2,500,000 | 1,512 |
| Surplus | $22,689,000 | 867 |
| Undivided profits | $18,389,000 | 1,577 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,427,000 | 673 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $305,000 | 497 |
| Income earned, not collected on loans | $2,956,000 | 1,039 |
| Earning assets | $526,354,000 | 886 |
| Long-term assets (5+ years) | $135,614,000 | 723 |
| Average Assets, year-to-date | $563,990,200 | 864 |
| Average Assets, quarterly | $567,096,000 | 887 |
| Volatile liabilities | $103,635,000 | 962 |
| Insider loans | $2,026,000 | 2,362 |
| FHLB advances | $117,200,000 | 353 |
| Loans and leases held for sale | $372,000 | 1,487 |
| Unused loan commitments | $106,844,000 | 720 |
| Tier 1 (core) risk-based capital | $39,915,000 | 1,136 |
| Tier 2 risk-based capital | $4,182,000 | 951 |
| Total risk weighted assets | $400,667,000 | 860 |
| Total unused commitments | $106,844,000 | 720 |
| Derivatives | $40,000,000 | 217 |
| 2000-12-31 | Rank | |
| # of Employees: | 180 | 873 |
| Assets and Liabilities | ||
| Total Assets: | $569,254,000 | 872 |
| Cash and due from depository institutions | $15,583,000 | 873 |
| Interest-bearing balances | $595,000 | 2,874 |
| Securities | $263,186,000 | 455 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,010 |
| Net loans & leases | $265,553,000 | 1,197 |
| Loan loss allowance | $3,588,000 | 1,106 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $14,347,000 | 524 |
| Other real estate owned | $0 | 873 |
| Goodwill and other intangibles | $2,470,000 | 931 |
| All other assets | $8,115,000 | 1,203 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $569,254,000 | 872 |
| Total liabilities | $528,921,000 | 852 |
| Total deposits | $371,007,000 | 1,035 |
| Interest-bearing deposits | $339,483,000 | 975 |
| Deposits held in domestic offices | $371,007,000 | 1,033 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $88,228,000 | 329 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $62,262,000 | 640 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $7,424,000 | 749 |
| Total equity capital | $40,333,000 | 1,162 |
| Total bank equity capital | $40,333,000 | 1,162 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $2,500,000 | 1,522 |
| Surplus | $22,689,000 | 849 |
| Undivided profits | $15,144,000 | 1,800 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $564,000 | 3,476 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $1,818,000 | 1,383 |
| Earning assets | $529,334,000 | 859 |
| Long-term assets (5+ years) | $192,545,000 | 521 |
| Average Assets, year-to-date | $552,779,800 | 863 |
| Average Assets, quarterly | $568,669,000 | 862 |
| Volatile liabilities | $149,948,000 | 732 |
| Insider loans | $1,575,000 | 2,817 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $24,000 | 1,422 |
| Unused loan commitments | $77,902,000 | 844 |
| Tier 1 (core) risk-based capital | $36,157,000 | 1,198 |
| Tier 2 risk-based capital | $3,588,000 | 1,058 |
| Total risk weighted assets | $364,031,000 | 905 |
| Total unused commitments | $77,902,000 | 845 |
| Derivatives | $25,000,000 | 268 |
| 1999-12-31 | Rank | |
| # of Employees: | 21 | 6,562 |
| Assets and Liabilities | ||
| Total Assets: | $120,948,000 | 3,731 |
| Cash and due from depository institutions | $6,629,000 | 6,562 |
| Interest-bearing balances | $5,362,000 | 765 |
| Securities | $39,594,000 | 2,824 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $71,917,000 | 3,893 |
| Loan loss allowance | $1,003,000 | 3,414 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $811,000 | 6,598 |
| Other real estate owned | $95,000 | 6,562 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,902,000 | 4,119 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,948,000 | 3,731 |
| Total liabilities | $112,291,000 | 3,642 |
| Total deposits | $58,771,000 | 5,645 |
| Interest-bearing deposits | $49,441,000 | 5,706 |
| Deposits held in domestic offices | $58,771,000 | 5,643 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $52,480,000 | 488 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,751 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,040,000 | 3,168 |
| Total equity capital | $8,657,000 | 4,776 |
| Total bank equity capital | $8,657,000 | 4,776 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $2,500,000 | 1,519 |
| Surplus | $4,950,000 | 3,038 |
| Undivided profits | $1,207,000 | 7,430 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $652,000 | 3,070 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $331,000 | 6,105 |
| Earning assets | $116,873,000 | 3,560 |
| Long-term assets (5+ years) | $31,789,000 | 2,445 |
| Average Assets, year-to-date | $88,001,800 | 4,754 |
| Average Assets, quarterly | $107,944,500 | 4,087 |
| Volatile liabilities | $76,744,000 | 1,182 |
| Insider loans | $11,000 | 8,969 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $14,253,000 | 2,974 |
| Tier 1 (core) risk-based capital | $8,984,000 | 4,653 |
| Tier 2 risk-based capital | $1,003,000 | 3,140 |
| Total risk weighted assets | $81,208,300 | 3,575 |
| Total unused commitments | $14,253,000 | 2,979 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 23 | 6,316 |
| Assets and Liabilities | ||
| Total Assets: | $74,226,000 | 5,484 |
| Cash and due from depository institutions | $3,113,000 | 6,316 |
| Interest-bearing balances | $2,560,000 | 1,906 |
| Securities | $1,925,000 | 9,823 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $67,100,000 | 3,919 |
| Loan loss allowance | $812,000 | 3,952 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $670,000 | 7,063 |
| Other real estate owned | $507,000 | 6,316 |
| Goodwill and other intangibles | $60,000 | 2,842 |
| All other assets | $851,000 | 6,476 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $74,226,000 | 5,484 |
| Total liabilities | $67,545,000 | 5,435 |
| Total deposits | $45,280,000 | 6,721 |
| Interest-bearing deposits | $33,021,000 | 7,278 |
| Deposits held in domestic offices | $45,280,000 | 6,719 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $21,652,000 | 710 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $613,000 | 5,051 |
| Total equity capital | $6,681,000 | 5,945 |
| Total bank equity capital | $6,681,000 | 5,945 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,500,000 | 1,467 |
| Surplus | $2,950,000 | 4,289 |
| Undivided profits | $1,231,000 | 7,910 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $792,000 | 2,864 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $123,000 | 823 |
| Income earned, not collected on loans | $345,000 | 6,044 |
| Earning assets | $71,585,000 | 5,291 |
| Long-term assets (5+ years) | $2,892,000 | 7,208 |
| Average Assets, year-to-date | $66,041,400 | 5,736 |
| Average Assets, quarterly | $71,853,500 | 5,528 |
| Volatile liabilities | $34,506,000 | 1,924 |
| Insider loans | $74,000 | 8,367 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $1,030,000 | 1,044 |
| Unused loan commitments | $12,296,000 | 3,177 |
| Tier 1 (core) risk-based capital | $6,621,000 | 5,830 |
| Tier 2 risk-based capital | $812,000 | 3,625 |
| Total risk weighted assets | $72,226,800 | 3,761 |
| Total unused commitments | $12,296,000 | 3,181 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 15 | 8,124 |
| Assets and Liabilities | ||
| Total Assets: | $57,796,000 | 6,504 |
| Cash and due from depository institutions | $2,842,000 | 8,124 |
| Interest-bearing balances | $2,044,000 | 1,741 |
| Securities | $1,901,000 | 10,357 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $51,748,000 | 4,839 |
| Loan loss allowance | $550,000 | 5,337 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $584,000 | 7,518 |
| Other real estate owned | $0 | 8,124 |
| Goodwill and other intangibles | $90,000 | 2,653 |
| All other assets | $631,000 | 7,733 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $57,796,000 | 6,504 |
| Total liabilities | $52,516,000 | 6,435 |
| Total deposits | $28,077,000 | 8,560 |
| Interest-bearing deposits | $18,247,000 | 9,297 |
| Deposits held in domestic offices | $28,077,000 | 8,558 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $24,083,000 | 676 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $356,000 | 7,169 |
| Total equity capital | $5,280,000 | 6,932 |
| Total bank equity capital | $5,280,000 | 6,932 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,500,000 | 1,450 |
| Surplus | $2,500,000 | 4,683 |
| Undivided profits | $280,000 | 9,833 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $241,000 | 5,892 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $297,000 | 6,871 |
| Earning assets | $55,693,000 | 6,280 |
| Long-term assets (5+ years) | $2,417,000 | 7,396 |
| Average Assets, year-to-date | $48,988,600 | 6,933 |
| Average Assets, quarterly | $56,108,500 | 6,572 |
| Volatile liabilities | $33,033,000 | 1,980 |
| Insider loans | $98,000 | 8,463 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $9,475,000 | 3,591 |
| Tier 1 (core) risk-based capital | $5,191,000 | 6,846 |
| Tier 2 risk-based capital | $550,000 | 4,832 |
| Total risk weighted assets | $56,760,100 | 4,570 |
| Total unused commitments | $9,475,000 | 3,593 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 12 | 9,268 |
| Assets and Liabilities | ||
| Total Assets: | $39,086,000 | 8,248 |
| Cash and due from depository institutions | $1,106,000 | 9,268 |
| Interest-bearing balances | $812,000 | 2,586 |
| Securities | $1,196,000 | 11,084 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $35,634,000 | 6,300 |
| Loan loss allowance | $293,000 | 7,951 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $610,000 | 7,552 |
| Other real estate owned | $0 | 9,268 |
| Goodwill and other intangibles | $119,000 | 2,412 |
| All other assets | $421,000 | 9,372 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $39,086,000 | 8,248 |
| Total liabilities | $34,279,000 | 8,310 |
| Total deposits | $18,841,000 | 10,040 |
| Interest-bearing deposits | $13,930,000 | 10,315 |
| Deposits held in domestic offices | $18,841,000 | 10,038 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,189,000 | 937 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $249,000 | 8,567 |
| Total equity capital | $4,807,000 | 7,414 |
| Total bank equity capital | $4,807,000 | 7,414 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,500,000 | 1,513 |
| Surplus | $2,500,000 | 4,745 |
| Undivided profits | $-193,000 | 10,977 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,601 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $239,000 | 7,824 |
| Earning assets | $37,642,000 | 8,043 |
| Long-term assets (5+ years) | $2,420,000 | 7,460 |
| Average Assets, year-to-date | $29,388,500 | 9,124 |
| Average Assets, quarterly | $36,948,000 | 8,415 |
| Volatile liabilities | $22,118,000 | 2,687 |
| Insider loans | $16,000 | 10,009 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $16,507,000 | 2,358 |
| Tier 1 (core) risk-based capital | $4,688,000 | 7,408 |
| Tier 2 risk-based capital | $293,000 | 7,317 |
| Total risk weighted assets | $41,183,700 | 5,857 |
| Total unused commitments | $16,507,000 | 2,371 |
| Derivatives | $0 | 549 |