Call reports 2011
BCBANK, INC. — 2011
What BCBANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 111,272,000 | 111,851,000 | 113,129,000 | 112,545,000 |
| Total loans | 62,648,000 | 62,741,000 | 62,997,000 | 61,801,000 |
| Allowance for loan losses | 1,034,000 | 1,051,000 | 1,064,000 | 1,049,000 |
| Securities available for sale | 30,633,000 | 32,830,000 | 27,828,000 | 31,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,672,000 | 99,925,000 | 101,122,000 | 100,310,000 |
| Interest-bearing deposits | 86,814,000 | 86,765,000 | 88,213,000 | 86,789,000 |
| Noninterest-bearing deposits | 12,858,000 | 13,160,000 | 12,909,000 | 13,521,000 |
| Equity capital | 10,544,000 | 10,851,000 | 10,947,000 | 10,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,122,000 | 2,249,000 | 3,380,000 | 4,494,000 |
| Interest expense | 223,000 | 432,000 | 636,000 | 831,000 |
| Net interest income | 899,000 | 1,817,000 | 2,744,000 | 3,663,000 |
| Noninterest income | 114,000 | 229,000 | 350,000 | 497,000 |
| Noninterest expense | 898,000 | 1,795,000 | 2,692,000 | 3,574,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 320,000 |
| Pretax income | 15,000 | 151,000 | 302,000 | 266,000 |
| Income tax | -26,000 | 4,000 | 62,000 | 69,000 |
| Net income | 41,000 | 147,000 | 240,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,850,000 | 10,717,000 | 10,809,000 | 10,713,000 |
| Total capital | 11,833,000 | 11,697,000 | 11,778,000 | 11,684,000 |
| Risk-weighted assets | 78,616,000 | 78,309,000 | 77,419,000 | 77,625,000 |