Home > BNC National Bank > Income and Expense
BNC National Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $38,850,000 | 876 |
| Total interest expense | $23,069,000 | 727 |
| Net interest income | $15,781,000 | 1,125 |
| Provision for loan and lease losses | $1,556,000 | 873 |
| Total noninterest income | $7,261,000 | 738 |
| Gross Fiduciary activities income | $286,000 | 734 |
| Service charges on deposit accounts | $686,000 | 2,174 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,289,000 | 555 |
| Total noninterest expense | $17,917,000 | 842 |
| Salaries and employee benefits | $9,172,000 | 802 |
| Premises and equipment expense | $2,496,000 | 843 |
| Additional noninterest expense | $6,249,000 | 805 |
| Pre-tax net operating income | $3,569,000 | 1,946 |
| Securities gains (losses) | $1,396,000 | 325 |
| Applicable income taxes | $1,546,000 | 1,458 |
| Income before extraordinary items | $3,419,000 | 1,557 |
| Extraordinary gains, net | $-113,000 | 9,529 |
| Net income | $3,306,000 | 1,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $962,000 | 965 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,455,760 | 2,051 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $42,535,000 | 839 |
| Total interest expense | $27,193,000 | 677 |
| Net interest income | $15,342,000 | 1,147 |
| Provision for loan and lease losses | $1,202,000 | 907 |
| Total noninterest income | $6,683,000 | 746 |
| Gross Fiduciary activities income | $321,000 | 704 |
| Service charges on deposit accounts | $606,000 | 2,272 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,756,000 | 585 |
| Total noninterest expense | $16,721,000 | 849 |
| Salaries and employee benefits | $8,985,000 | 776 |
| Premises and equipment expense | $2,127,000 | 939 |
| Additional noninterest expense | $5,609,000 | 875 |
| Pre-tax net operating income | $4,102,000 | 1,779 |
| Securities gains (losses) | $276,000 | 356 |
| Applicable income taxes | $1,424,000 | 1,578 |
| Income before extraordinary items | $2,954,000 | 1,770 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,954,000 | 1,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 1,270 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,769,080 | 1,882 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,822,000 | 4,004 |
| Total interest expense | $3,505,000 | 4,038 |
| Net interest income | $4,317,000 | 3,915 |
| Provision for loan and lease losses | $417,000 | 2,046 |
| Total noninterest income | $168,000 | 7,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 6,651 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,576 |
| Total noninterest expense | $3,576,000 | 3,650 |
| Salaries and employee benefits | $1,594,000 | 4,133 |
| Premises and equipment expense | $440,000 | 4,203 |
| Additional noninterest expense | $1,542,000 | 2,802 |
| Pre-tax net operating income | $492,000 | 7,171 |
| Securities gains (losses) | $91,000 | 766 |
| Applicable income taxes | $244,000 | 5,272 |
| Income before extraordinary items | $339,000 | 7,352 |
| Extraordinary gains, net | $-36,000 | 10,172 |
| Net income | $303,000 | 7,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,221 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 434 |
| Net operating income | $280,760 | 7,693 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,745,000 | 4,526 |
| Total interest expense | $2,606,000 | 5,210 |
| Net interest income | $4,139,000 | 4,015 |
| Provision for loan and lease losses | $330,000 | 2,400 |
| Total noninterest income | $151,000 | 8,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 6,748 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,339 |
| Total noninterest expense | $2,349,000 | 4,979 |
| Salaries and employee benefits | $1,232,000 | 4,984 |
| Premises and equipment expense | $307,000 | 5,321 |
| Additional noninterest expense | $810,000 | 4,633 |
| Pre-tax net operating income | $1,611,000 | 3,969 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $661,000 | 3,156 |
| Income before extraordinary items | $950,000 | 4,660 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $950,000 | 4,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,338 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $450,000 | 576 |
| Net operating income | $950,000 | 4,572 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,861,000 | 5,915 |
| Total interest expense | $2,138,000 | 6,015 |
| Net interest income | $2,723,000 | 5,724 |
| Provision for loan and lease losses | $258,000 | 2,891 |
| Total noninterest income | $115,000 | 9,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 8,175 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,171 |
| Total noninterest expense | $1,778,000 | 6,121 |
| Salaries and employee benefits | $967,000 | 5,976 |
| Premises and equipment expense | $277,000 | 5,702 |
| Additional noninterest expense | $534,000 | 6,243 |
| Pre-tax net operating income | $802,000 | 6,536 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $328,000 | 5,483 |
| Income before extraordinary items | $474,000 | 7,141 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $474,000 | 7,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $474,000 | 7,092 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,217,000 | 9,076 |
| Total interest expense | $934,000 | 9,226 |
| Net interest income | $1,283,000 | 8,810 |
| Provision for loan and lease losses | $293,000 | 2,638 |
| Total noninterest income | $26,000 | 11,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 9,710 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,823 |
| Total noninterest expense | $1,311,000 | 7,629 |
| Salaries and employee benefits | $620,000 | 8,005 |
| Premises and equipment expense | $238,000 | 6,414 |
| Additional noninterest expense | $453,000 | 7,450 |
| Pre-tax net operating income | $-295,000 | 11,138 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-102,000 | 11,173 |
| Income before extraordinary items | $-193,000 | 11,104 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-193,000 | 11,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 260 |
| Net operating income | $-193,000 | 11,064 |
* 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.