Call reports 2005
BCBANK, INC. — 2005
What BCBANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,310,000 | 96,848,000 | 97,196,000 | 98,239,000 |
| Total loans | 60,125,000 | 63,517,000 | 61,291,000 | 66,992,000 |
| Allowance for loan losses | 670,000 | 720,000 | 776,000 | 827,000 |
| Securities available for sale | 22,950,000 | 21,955,000 | 19,043,000 | 16,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,422,000 | 84,969,000 | 85,310,000 | 86,201,000 |
| Interest-bearing deposits | 73,544,000 | 76,335,000 | 77,445,000 | 78,580,000 |
| Noninterest-bearing deposits | 7,878,000 | 8,634,000 | 7,865,000 | 7,621,000 |
| Equity capital | 11,394,000 | 11,449,000 | 11,564,000 | 11,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,394,000 | 3,665,000 | 5,009,000 |
| Interest expense | 418,000 | 846,000 | 1,312,000 | 1,795,000 |
| Net interest income | 756,000 | 1,548,000 | 2,353,000 | 3,214,000 |
| Noninterest income | 51,000 | 106,000 | 200,000 | 292,000 |
| Noninterest expense | 588,000 | 1,148,000 | 1,741,000 | 2,411,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 216,000 |
| Pretax income | 165,000 | 398,000 | 650,000 | 879,000 |
| Income tax | 38,000 | 80,000 | 160,000 | 211,000 |
| Net income | 127,000 | 318,000 | 490,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,640,000 | 11,750,000 | 11,923,000 | 11,857,000 |
| Total capital | 12,310,000 | 12,470,000 | 12,699,000 | 12,684,000 |
| Risk-weighted assets | 64,423,000 | 67,489,000 | 67,608,000 | 73,814,000 |
Machine access — free, no API key
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