Call reports 2008
BCBANK, INC. — 2008
What BCBANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 126,558,000 | 130,352,000 | 127,393,000 | 129,718,000 |
| Total loans | 75,495,000 | 79,552,000 | 87,748,000 | 87,730,000 |
| Allowance for loan losses | 1,058,000 | 1,009,000 | 1,067,000 | 1,155,000 |
| Securities available for sale | 32,606,000 | 35,922,000 | 26,557,000 | 28,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,023,000 | 3,007,000 | 0 | 0 |
| Total deposits | 113,728,000 | 116,118,000 | 114,462,000 | 109,388,000 |
| Interest-bearing deposits | 103,821,000 | 103,092,000 | 12,691,000 | 98,021,000 |
| Noninterest-bearing deposits | 9,907,000 | 13,026,000 | 101,771,000 | 11,367,000 |
| Equity capital | 11,697,000 | 11,273,000 | 11,189,000 | 11,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,031,000 | 3,982,000 | 5,925,000 | 7,756,000 |
| Interest expense | 996,000 | 1,946,000 | 2,847,000 | 3,656,000 |
| Net interest income | 1,035,000 | 2,036,000 | 3,078,000 | 4,100,000 |
| Noninterest income | 148,000 | 257,000 | 391,000 | 520,000 |
| Noninterest expense | 868,000 | 1,744,000 | 2,642,000 | 3,516,000 |
| Provision for loan losses | 0 | 21,000 | 78,000 | 668,000 |
| Pretax income | 392,000 | 605,000 | 868,000 | 565,000 |
| Income tax | 93,000 | 113,000 | 141,000 | -18,000 |
| Net income | 299,000 | 492,000 | 727,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,787,000 | 12,000,000 | 12,234,000 | 12,091,000 |
| Total capital | 12,845,000 | 13,009,000 | 13,301,000 | 13,246,000 |
| Risk-weighted assets | 93,331,000 | 122,080,000 | 101,696,000 | 103,983,000 |