BNCCORP Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	46.98	43.28	38.18	35.58	27.75	29.22
Interest Income on Investments	8.2	8.2	8.28	7.7	5.86	4.24
Total Interest Income	55.17	51.47	46.46	43.28	33.61	33.46
Interest Paid on Deposits	16.81	16.42	14.36	9.95	2.16	1.9
Interest Paid on Borrowings	0.9	0.9	1.04	1.02	0.49	0.24
Total Interest Expense	17.7	17.31	15.4	10.97	2.66	2.14
Net Interest Income	37.47	34.16	31.06	32.31	30.96	31.32
Net Interest Income Growth	13.22%	9.98%	-3.88%	4.37%	-1.16%	-3.06%
Trust Income	2.37	2.1	2.04	1.95	1.98	2.21
Mortgage Banking Activities	-	-	-	3.77	11.46	37.77
Gain (Loss) on Sale of Assets	-0.01	-0.01	-0.03	-0.14	-0.02	-0.06
Gain (Loss) on Sale of Investments	-	-	-	0.01	-	-
Other Non-Interest Income	3.58	3.48	3.84	4.26	5.43	4.05
Total Non-Interest Income	5.95	5.68	5.86	9.86	19.11	44.63
Non-Interest Income Growth	5.47%	-3.07%	-40.54%	-48.40%	-57.18%	-48.07%
Revenues Before Loan Losses	43.42	39.84	36.92	42.17	50.07	75.95
Provision for Loan Losses	1.7	1.6	0.64	0.82	-0.15	-0.35
Revenue	41.73	38.25	36.29	41.36	50.22	76.3
Revenue Growth	9.90%	5.40%	-12.26%	-17.65%	-34.18%	-33.99%
Salaries and Employee Benefits	15	15.25	14.68	17.25	20.84	24.76
Occupancy Expenses	1.08	1.09	1.09	1.09	1.23	1.27
Federal Deposit Insurance	0.54	0.53	0.54	0.47	0.47	0.48
Selling, General & Administrative	10.77	7.74	7.58	12.74	16.17	17.48
Other Non-Interest Expense	2.29	2.2	2.14	2.49	3.18	3.61
Total Non-Interest Expense	29.69	26.81	26.02	34.04	41.89	47.59
EBT Excluding Unusual Items	12.04	11.44	10.26	7.32	8.33	28.71
Pretax Income	12.04	11.44	10.26	7.32	8.33	28.71
Income Tax Expense	2.76	2.67	2.34	1.61	1.83	6.75
Net Income	9.28	8.77	7.93	5.71	6.5	21.96
Net Income to Common	9.28	8.77	7.93	5.71	6.5	21.96
Net Income Growth	5.00%	10.63%	38.97%	-12.23%	-70.39%	-50.79%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change	0.04%	-0.19%	-0.88%	0.15%	0.16%	0.12%
EPS (Basic)	2.62	2.48	2.24	1.59	1.82	6.15
EPS (Diluted)	2.62	2.48	2.23	1.59	1.82	6.15
EPS Growth	5.18%	11.06%	40.25%	-12.58%	-70.43%	-50.88%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	22.94%	23.32%	22.76%	22.02%	21.96%	23.52%