Call reports 2012
BCBANK, INC. — 2012
What BCBANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 112,403,000 | 109,581,000 | 107,857,000 | 108,745,000 |
| Total loans | 60,773,000 | 60,628,000 | 59,837,000 | 58,242,000 |
| Allowance for loan losses | 1,176,000 | 1,287,000 | 1,128,000 | 1,094,000 |
| Securities available for sale | 32,092,000 | 32,033,000 | 29,404,000 | 28,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,343,000 | 97,220,000 | 95,096,000 | 95,944,000 |
| Interest-bearing deposits | 87,049,000 | 84,669,000 | 81,489,000 | 82,092,000 |
| Noninterest-bearing deposits | 13,294,000 | 12,552,000 | 13,607,000 | 13,852,000 |
| Equity capital | 10,403,000 | 10,706,000 | 10,885,000 | 10,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,044,000 | 2,107,000 | 3,149,000 | 4,187,000 |
| Interest expense | 168,000 | 323,000 | 461,000 | 589,000 |
| Net interest income | 876,000 | 1,784,000 | 2,688,000 | 3,598,000 |
| Noninterest income | 119,000 | 271,000 | 759,000 | 938,000 |
| Noninterest expense | 890,000 | 1,776,000 | 2,924,000 | 3,835,000 |
| Provision for loan losses | 60,000 | 110,000 | 110,000 | 110,000 |
| Pretax income | 121,000 | 250,000 | 494,000 | 672,000 |
| Income tax | 26,000 | 52,000 | 119,000 | 150,000 |
| Net income | 95,000 | 198,000 | 375,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,808,000 | 10,910,000 | 11,196,000 | 11,655,000 |
| Total capital | 11,773,000 | 11,860,000 | 12,144,000 | 12,588,000 |
| Risk-weighted assets | 77,020,000 | 75,699,000 | 75,651,000 | 74,503,000 |