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Income statement, BNCCorp Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Interest income
51.5
46.5
43.3
33.6
33.5
36.5
Total interest expense
17.3
15.4
11.0
2.7
2.1
4.2
Net interest income
34.2
31.1
32.3
31.0
31.3
32.3
Loan loss provision
1.6
0.6
0.8
−0.1
−0.3
–
Net interest income after loan loss provision
32.6
30.4
31.5
31.1
31.7
32.3
Non-interest income
5.7
5.9
10.0
19.1
44.7
86.0
Non-interest expense
−26.8
−26.1
−34.2
−41.9
−47.6
−59.8
Net income before taxes
11.4
10.3
7.3
8.3
28.7
58.5
Provision for taxes
2.7
2.3
1.6
1.8
6.8
13.9
Minority interest & equity in affiliates
–
–
–
–
–
–
Other
0
0
0
0
0
0
Net income before extraordinary items
8.8
7.9
5.7
6.5
22.0
44.6
Extraordinary items
–
–
–
–
–
–
Net income
8.8
7.9
5.7
6.5
22.0
44.6
Basic weighted average shares (mil)
3.5
3.5
3.6
3.6
3.6
3.6
Diluted weighted average shares (mil)
3.5
3.5
3.6
3.6
3.6
3.6
Basic EPS excluding extraordinary items
2.48
2.24
1.59
1.82
6.15
12.52
Basic EPS, normalized
2.48
2.24
1.59
1.82
6.15
13.09
Balance sheet in millions of USD, fiscal years
Balance sheet, BNCCorp Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Assets
Cash & due from banks
211
101
102
74.0
188
12.4
Other earning assets
117
132
162
216
293
438
Net loans
728
690
660
608
521
561
Property, plant & equipment
10.6
11.5
11.9
13.3
14.6
16.8
Goodwill
–
–
–
–
–
–
Intangibles
–
–
–
–
–
–
Long-term investments
–
–
–
–
–
–
Other long-term assets
–
–
–
–
–
–
Other assets
32.7
32.9
32.2
32.6
31.0
46.3
Total assets
1,100
967
968
943
1,047
1,074
Liabilities
Accounts payable
1.6
1.2
0.9
0.3
0.2
0.6
Payable/accrued
–
–
–
–
–
–
Accrued expenses
3.4
3.5
5.2
7.1
9.6
16.0
Total deposits
972
838
837
820
907
853
Other bearing liabilities
–
–
–
–
0
30.9
Short-term borrowings
–
–
–
–
0
6.4
Current portion of long-term debt
–
–
–
–
–
–
Long-term debt
15.5
15.5
15.5
15.0
15.0
15.0
Minority interest
–
–
–
–
–
–
Other liabilities
1.3
15.3
1.0
0.9
0.9
33.9
Total liabilities
994
873
860
843
932
956
Shareholders' equity
Preferred stock
–
–
–
–
–
–
Common stock
0
0
0
0
0
0
Additional paid-in capital
27.2
26.9
26.6
26.4
26.1
25.9
Retained earnings (accumulated deficit)
87.4
78.7
93.2
87.6
87.4
87.0
Treasury stock
−2.8
−2.7
−1.5
−1.6
−1.6
−1.9
Other equity
−5.4
−9.2
−9.8
−12.0
3.2
7.2
Total equity
107
93.7
108
100
115
118
Total liabilities & shareholders' equity
1,100
967
968
943
1,047
1,074
Cash flow statement in millions of USD, fiscal years
Cash flow statement, BNCCorp Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Operating activities
Net income
8.8
7.9
5.7
6.5
22.0
44.6
Depreciation, depletion & amortization
1.1
1.1
1.1
1.2
1.3
1.4
Deferred taxes
−0.5
−0.1
−0.1
0.6
0.6
−1.2
Non-cash items
2.0
2.1
2.9
4.9
14.2
−5.4
Changes in working capital
1.5
−1.6
37.0
43.5
171
−94.6
Cash from operations
12.8
9.4
46.6
56.8
209
−55.2
Investing activities
Capital expenditures
−0.3
−1.1
−0.5
−0.5
−0.9
−0.4
Other investing cash flows
−21.9
−0.9
−35.2
−77.0
1.8
9.2
Cash from investing
−22.2
−2.0
−35.7
−77.5
1.0
8.8
Financing activities
Financing cash flow items
134
0.3
17.6
−87.1
16.2
48.3
Cash dividends paid
−14.3
−8.1
0
−6.3
−50.2
–
Issuance (retirement) of debt, net
–
–
–
–
–
–
Other financing cash flows
0
−1.2
0
0
0
0
Cash from financing
120
−9.0
17.6
−93.4
−34.0
48.3
Foreign exchange effects
–
–
–
–
–
–
Net change in cash
111
−1.6
28.5
−114
176
1.9
Free cash flow
12.5
8.3
46.1
56.3
208
−55.6
Disclaimer
The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.
This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.
QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.
Live quote provided by TradingView. Report data updated Nov 2, 2026 after market close.