BNCCorp Q4 net interest income rises
Overview
Community bank's Q4 net income decreased yr/yr, net interest income rose 13.4%
Company recorded $1.1 mln provision for credit losses due to one commercial loan
Net interest margin improved to 3.64% from 3.57% in prior year period
Outlook
Company confident in loan portfolio and balance sheet strength amid economic uncertainty
Company expects strong capital position to navigate geopolitical uncertainty
Company sees stable foundation for future growth due to significant deposit growth
Result Drivers
NET INTEREST INCOME - Increased by $1.1 mln, or 13.4%, due to higher yields on loans and increased loan balances
CREDIT LOSS PROVISION - $1.1 mln provision due to one commercial lending relationship in transportation industry
LOAN GROWTH - Return to net loan growth supported by continued customer demand across markets
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.62 |
|
Q4 Net Income |
| $2.20 mln |
|
Q4 Net Interest Income |
| $9 mln |
|
Q4 Net Interest Margin |
| 3.64% |
|
Press Release: ID:nPn4K4ntJa
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