Call reports 2010
BCBANK, INC. — 2010
What BCBANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 126,259,000 | 118,507,000 | 112,465,000 | 112,146,000 |
| Total loans | 78,148,000 | 77,424,000 | 72,305,000 | 66,791,000 |
| Allowance for loan losses | 2,810,000 | 2,770,000 | 2,802,000 | 1,520,000 |
| Securities available for sale | 32,948,000 | 24,474,000 | 23,001,000 | 28,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,023,000 | 107,071,000 | 100,846,000 | 100,545,000 |
| Interest-bearing deposits | 102,143,000 | 94,126,000 | 88,123,000 | 86,703,000 |
| Noninterest-bearing deposits | 12,880,000 | 12,945,000 | 12,723,000 | 13,842,000 |
| Equity capital | 10,046,000 | 10,246,000 | 10,457,000 | 10,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,712,000 | 4,241,000 | 5,445,000 |
| Interest expense | 490,000 | 906,000 | 1,211,000 | 1,466,000 |
| Net interest income | 869,000 | 1,806,000 | 3,030,000 | 3,979,000 |
| Noninterest income | 118,000 | 233,000 | 357,000 | 467,000 |
| Noninterest expense | 907,000 | 1,839,000 | 2,718,000 | 3,467,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 58,000 | 181,000 | 650,000 | 960,000 |
| Income tax | 1,000 | 29,000 | 200,000 | 300,000 |
| Net income | 57,000 | 152,000 | 450,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,996,000 | 10,091,000 | 10,388,000 | 10,575,000 |
| Total capital | 11,208,000 | 11,254,000 | 11,491,000 | 11,612,000 |
| Risk-weighted assets | 95,335,000 | 91,472,000 | 86,540,000 | 82,478,000 |