Financial Profile

BNCCORP, INC., (BNCC:NASDAQ) headquartered in Bismarck, North Dakota, is a bank holding company that serves numerous communities in North Dakota, Minnesota and Arizona through its wholly owned subsidiary, BNC National Bank and through BNC National Bank's subsidiaries, BNC Insurance, Inc., Milne Scali & Company and BNC Asset Management, Inc.
Approximate Employees: 270
FYE 12/31
2003
2002
2001
2000
Total Interest Income ($000)
28,646
31,818
37,586
40,658
Net Income ($000)
3,844
2,039
1,245
2,297
Net Income Percent Change (%)
88.52
63.78
na
849.17
Profit Margin (%)
13.42
6.41
3.31
5.65
Shareholders Equity ($000)
37,525
33,722
30,679
29,457
Return Shareholders Equity (%)
11.40
6.65
4.23
9.92
Shareholders Equity/Share
13.89
14.05
12.79
12.28
Earnings per share
1.35
0.75
0.51
0.96
Shares Outstanding (000)*
2,701
2,399
2,399
2,399
Company reported for the third quarter ended 9/30/04 earnings of $118,000 or $0.04 per share on interest income of $7,376,000 vs. earnings of $886,000 or $0.32 per share on interest income of $6,734,000 for the same period last year.

Company reported for the nine months ended 9/30/04 earnings of $2,577,000 or $0.89 per share on interest income of $22,189,000 vs. earnings of $3,017,000 or $1.10 per share on interest income of $21,467,000 for the same period last year.

* Denominator for Diluted Earnings Per Share.

COMPANY CONTACT: Annette Eckroth, Corporate Secretary; (701) 250-3040

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