BNCCORP, Inc. announced unaudited consolidated earnings results for the fourth quarter and year ended December 31, 2013. For the quarter, the company reported net interest income of $6,013,000 compared to $4,660,000 a year ago. Income before income taxes was $2,547,000 compared to $5,353,000 a year ago. Net income available to common shareholders was $1,540,000 or $0.44 per diluted common share compared to $4,608,000 or $1.34 per diluted common share a year ago. Return on average common stockholders' equity was 12.29% compared to 46.28% a year ago. Return on average assets was 0.90% compared to 2.67% a year ago. Results for the fourth quarter of 2013 include lower non-interest income largely due to a decrease in mortgage banking revenues. This was partially offset by significantly higher net interest income, income on SBIC investments and lower non-interest expenses when compared to the prior year fourth quarter.

For the year, the company reported net interest income of $19,845,000 compared to $18,471,000 a year ago. Income before income taxes was $12,449,000 compared to $21,344,000 a year ago. Net income available to common shareholders was $7,307,000 or $2.11 per diluted common share compared to $25,162,000 or $7.52 per diluted common share a year ago. Return on average common stockholders' equity was 15.15% compared to 90.04% a year ago. Return on average assets was 1.07% compared to 3.74% a year ago.