Call reports 2013
BCB COMMUNITY BANK — 2013
What BCB COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,157,411,000 | 1,166,963,000 | 1,182,663,000 | 1,207,336,000 |
| Total loans | 944,948,000 | 957,431,000 | 1,002,687,000 | 1,036,349,000 |
| Allowance for loan losses | 13,344,000 | 13,673,000 | 13,881,000 | 14,342,000 |
| Securities available for sale | 1,418,000 | 662,000 | 789,000 | 1,104,000 |
| Securities held to maturity | 142,217,000 | 127,834,000 | 118,947,000 | 114,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 943,851,000 | 951,964,000 | 968,051,000 | 968,744,000 |
| Interest-bearing deposits | 841,712,000 | 849,076,000 | 864,325,000 | 861,057,000 |
| Noninterest-bearing deposits | 102,139,000 | 102,888,000 | 103,726,000 | 107,687,000 |
| Equity capital | 96,285,000 | 97,172,000 | 97,842,000 | 103,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 14,222,000 | 28,604,000 | 42,963,000 | 57,958,000 |
| Interest expense | 2,630,000 | 5,233,000 | 7,852,000 | 10,461,000 |
| Net interest income | 11,592,000 | 23,371,000 | 35,111,000 | 47,497,000 |
| Noninterest income | 538,000 | 1,206,000 | 1,787,000 | 2,530,000 |
| Noninterest expense | 6,950,000 | 14,594,000 | 22,758,000 | 31,257,000 |
| Provision for loan losses | 1,200,000 | 1,800,000 | 2,250,000 | 2,750,000 |
| Pretax income | 4,204,000 | 8,543,000 | 12,268,000 | 16,398,000 |
| Income tax | 1,724,000 | 3,447,000 | 4,896,000 | 6,644,000 |
| Net income | 2,480,000 | 5,096,000 | 7,372,000 | 9,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,819,000 | 97,545,000 | 98,720,000 | 103,595,000 |
| Total capital | 106,261,000 | 107,258,000 | 108,890,000 | 114,081,000 |
| Risk-weighted assets | 750,669,000 | 772,352,000 | 813,705,000 | 835,001,000 |
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