Call reports 2014
BCBANK, INC. — 2014
What BCBANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 110,013,000 | 111,296,000 | 112,849,000 | 114,339,000 |
| Total loans | 61,952,000 | 65,775,000 | 69,922,000 | 70,576,000 |
| Allowance for loan losses | 925,000 | 928,000 | 933,000 | 1,088,000 |
| Securities available for sale | 30,768,000 | 27,979,000 | 22,893,000 | 22,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,566,000 | 97,623,000 | 95,816,000 | 95,273,000 |
| Interest-bearing deposits | 81,108,000 | 80,179,000 | 79,052,000 | 77,914,000 |
| Noninterest-bearing deposits | 15,458,000 | 17,444,000 | 16,764,000 | 17,359,000 |
| Equity capital | 11,412,000 | 11,782,000 | 12,002,000 | 11,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 956,000 | 1,938,000 | 2,951,000 | 4,007,000 |
| Interest expense | 107,000 | 208,000 | 308,000 | 408,000 |
| Net interest income | 849,000 | 1,730,000 | 2,643,000 | 3,599,000 |
| Noninterest income | 147,000 | 316,000 | 499,000 | 669,000 |
| Noninterest expense | 804,000 | 1,630,000 | 2,454,000 | 3,350,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 192,000 | 419,000 | 713,000 | 773,000 |
| Income tax | 35,000 | 87,000 | 204,000 | 204,000 |
| Net income | 157,000 | 332,000 | 509,000 | 569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,904,000 | 12,185,000 | 12,536,000 | 12,502,000 |
| Total capital | 12,829,000 | 13,113,000 | 13,469,000 | 13,532,000 |
| Risk-weighted assets | 75,411,000 | 78,063,000 | 82,129,000 | 82,356,000 |