PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

BNC National Bank

Minneapolis, MN · Cert 34123

FDIC

Q1 2002

$543.3MAssets
$306.9MLoans
$393.5MDeposits
$43.8MEquity
Loan mix
20%RE $27.0M80%C&I $107.5M0%Consumer $0.6MQ2 2000Q1 2002
Deposit mix
93%Interest-bearing $365.6M7%Noninterest $27.9MQ2 2000Q1 2002

Executive Summary

  • Earnings: ROA of 0.50%, down 19 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 77.99% of deposits as of Q1 2002.

Return on Assets (YTD, annualized)

0.50%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.62%-20 bps YoY

Efficiency Ratio (YTD, annualized)

82.89%+465 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.47%Q1 ’015.67%Q1 ’02-7%

Non-interest income vs. expense

3.11%Q1 ’013.28%Q1 ’02+4%

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.69%0.76%0.53%0.69%10.71%0.50%0.59%0.50%-19 bps
Return on Equityn/an/an/an/an/an/an/a6.45%n/an/a
Net Interest Marginn/an/an/a2.83%2.96%2.69%2.75%2.62%-20 bps
Efficiency Ration/an/an/a78.24%76.58%81.00%77.76%82.89%+465 bps
Non-Interest Burdenn/an/an/a1.96%1.97%1.95%1.86%2.03%+7 bps
Growth
Asset Growth (YoY)133.87%87.15%371%228%211%216%0.69%-4.90%-23,250 bps
Loan Growth (YoY)10.90%0.83%269%284%352%382%16.81%10.92%-27,352 bps
Deposit Growth (YoY)58.53%29.90%531%582%443%438%9.34%3.44%-57,849 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a-0.03%-0.01%0.14%0.31%0.07%+10 bps
Allowance / Loansn/an/an/a1.43%1.42%1.39%1.35%1.41%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a11.09%10.62%10.50%11.01%11.36%+27 bps
Equity / Assetsn/an/an/a7.36%7.77%7.77%7.60%8.06%+69 bps
Liquidity & Funding
Loans / Deposits100.57%94.36%71.58%72.73%83.67%84.43%76.47%77.99%+526 bps
Liquid Assets / Assets0.00%0.00%0.00%0.03%0.03%0.02%0.02%0.02%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a