Call reports 2004
BCBANK, INC. — 2004
What BCBANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 95,818,000 | 95,228,000 | 96,066,000 | 95,032,000 |
| Total loans | 44,700,000 | 48,842,000 | 53,387,000 | 55,784,000 |
| Allowance for loan losses | 459,000 | 493,000 | 566,000 | 617,000 |
| Securities available for sale | 46,015,000 | 41,693,000 | 37,432,000 | 27,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,410,000 | 83,462,000 | 83,539,000 | 82,973,000 |
| Interest-bearing deposits | 76,160,000 | 76,708,000 | 77,138,000 | 74,878,000 |
| Noninterest-bearing deposits | 6,250,000 | 6,754,000 | 6,401,000 | 8,095,000 |
| Equity capital | 12,316,000 | 11,345,000 | 11,866,000 | 11,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,126,000 | 2,292,000 | 3,476,000 | 4,634,000 |
| Interest expense | 410,000 | 820,000 | 1,245,000 | 1,674,000 |
| Net interest income | 716,000 | 1,472,000 | 2,231,000 | 2,960,000 |
| Noninterest income | 43,000 | 100,000 | 151,000 | 198,000 |
| Noninterest expense | 533,000 | 1,068,000 | 1,611,000 | 2,219,000 |
| Provision for loan losses | 44,000 | 77,000 | 145,000 | 199,000 |
| Pretax income | 191,000 | 436,000 | 742,000 | 888,000 |
| Income tax | 49,000 | 118,000 | 209,000 | 250,000 |
| Net income | 142,000 | 318,000 | 533,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,576,000 | 11,544,000 | 11,760,000 | 11,640,000 |
| Total capital | 12,035,000 | 12,037,000 | 12,326,000 | 12,257,000 |
| Risk-weighted assets | 51,649,000 | 55,763,000 | 58,336,000 | 60,819,000 |
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