Call reports 2015
BCBANK, INC. — 2015
What BCBANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,289,000 | 116,107,000 | 114,196,000 | 116,515,000 |
| Total loans | 70,076,000 | 71,357,000 | 67,786,000 | 68,375,000 |
| Allowance for loan losses | 1,091,000 | 1,097,000 | 738,000 | 912,000 |
| Securities available for sale | 22,025,000 | 24,767,000 | 21,342,000 | 20,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,854,000 | 96,825,000 | 94,348,000 | 96,966,000 |
| Interest-bearing deposits | 78,114,000 | 77,387,000 | 76,721,000 | 77,657,000 |
| Noninterest-bearing deposits | 18,740,000 | 19,438,000 | 17,626,000 | 19,309,000 |
| Equity capital | 11,748,000 | 11,661,000 | 11,637,000 | 11,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 1,983,000 | 3,025,000 | 3,961,000 |
| Interest expense | 94,000 | 185,000 | 276,000 | 366,000 |
| Net interest income | 900,000 | 1,798,000 | 2,749,000 | 3,595,000 |
| Noninterest income | 155,000 | 320,000 | 511,000 | 696,000 |
| Noninterest expense | 959,000 | 1,884,000 | 2,956,000 | 4,211,000 |
| Provision for loan losses | 0 | 0 | 0 | 144,000 |
| Pretax income | 113,000 | 234,000 | 304,000 | -157,000 |
| Income tax | 25,000 | 57,000 | 57,000 | -127,000 |
| Net income | 88,000 | 177,000 | 247,000 | -30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,590,000 | 12,618,000 | 12,643,000 | 11,985,000 |
| Total capital | 13,640,000 | 13,700,000 | 13,381,000 | 12,889,000 |
| Risk-weighted assets | 83,934,000 | 86,375,000 | 80,979,000 | 72,311,000 |