Call reports 2013
BCBANK, INC. — 2013
What BCBANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 109,982,000 | 106,640,000 | 105,291,000 | 108,361,000 |
| Total loans | 55,354,000 | 59,595,000 | 60,832,000 | 58,650,000 |
| Allowance for loan losses | 901,000 | 897,000 | 902,000 | 914,000 |
| Securities available for sale | 32,675,000 | 27,178,000 | 26,739,000 | 30,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,153,000 | 94,162,000 | 92,807,000 | 96,169,000 |
| Interest-bearing deposits | 81,372,000 | 79,414,000 | 78,050,000 | 80,192,000 |
| Noninterest-bearing deposits | 15,781,000 | 14,748,000 | 14,757,000 | 15,977,000 |
| Equity capital | 11,077,000 | 10,699,000 | 10,611,000 | 11,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,967,000 | 2,943,000 | 3,938,000 |
| Interest expense | 120,000 | 231,000 | 339,000 | 449,000 |
| Net interest income | 866,000 | 1,736,000 | 2,604,000 | 3,489,000 |
| Noninterest income | 145,000 | 296,000 | 452,000 | 601,000 |
| Noninterest expense | 943,000 | 1,844,000 | 2,782,000 | 3,706,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 202,000 | 284,000 | 394,000 |
| Income tax | -9,000 | 33,000 | 45,000 | 37,000 |
| Net income | 77,000 | 169,000 | 239,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,732,000 | 11,825,000 | 11,675,000 | 11,747,000 |
| Total capital | 12,633,000 | 12,722,000 | 12,577,000 | 12,661,000 |
| Risk-weighted assets | 73,209,000 | 74,320,000 | 74,859,000 | 73,595,000 |