Call reports 2009
BCBANK, INC. — 2009
What BCBANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 128,377,000 | 128,790,000 | 129,358,000 | 127,371,000 |
| Total loans | 87,090,000 | 84,195,000 | 80,299,000 | 79,485,000 |
| Allowance for loan losses | 1,246,000 | 1,314,000 | 2,031,000 | 2,573,000 |
| Securities available for sale | 28,197,000 | 30,702,000 | 34,584,000 | 33,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,207,000 | 116,261,000 | 117,396,000 | 116,242,000 |
| Interest-bearing deposits | 100,774,000 | 103,825,000 | 105,484,000 | 103,037,000 |
| Noninterest-bearing deposits | 11,433,000 | 12,435,000 | 11,912,000 | 13,205,000 |
| Equity capital | 11,368,000 | 10,197,000 | 10,515,000 | 9,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,616,000 | 3,269,000 | 4,808,000 | 6,323,000 |
| Interest expense | 700,000 | 1,325,000 | 1,927,000 | 2,482,000 |
| Net interest income | 916,000 | 1,944,000 | 2,881,000 | 3,841,000 |
| Noninterest income | 100,000 | 219,000 | 349,000 | 717,000 |
| Noninterest expense | 961,000 | 1,902,000 | 2,901,000 | 3,942,000 |
| Provision for loan losses | 90,000 | 1,681,000 | 2,481,000 | 3,481,000 |
| Pretax income | 66,000 | -1,255,000 | -1,884,000 | -3,046,000 |
| Income tax | -41,000 | -409,000 | -909,000 | -1,455,000 |
| Net income | 107,000 | -846,000 | -975,000 | -1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,198,000 | 11,245,000 | 11,116,000 | 9,939,000 |
| Total capital | 13,444,000 | 12,489,000 | 12,345,000 | 11,172,000 |
| Risk-weighted assets | 101,836,000 | 99,463,000 | 97,523,000 | 97,308,000 |