Call reports 2016
BCBANK, INC. — 2016
What BCBANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 114,797,000 | 113,831,000 | 117,626,000 | 115,857,000 |
| Total loans | 69,663,000 | 74,823,000 | 77,083,000 | 79,158,000 |
| Allowance for loan losses | 937,000 | 971,000 | 964,000 | 974,000 |
| Securities available for sale | 23,169,000 | 20,006,000 | 20,468,000 | 19,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,129,000 | 94,010,000 | 98,244,000 | 97,006,000 |
| Interest-bearing deposits | 76,818,000 | 75,307,000 | 74,048,000 | 74,419,000 |
| Noninterest-bearing deposits | 18,311,000 | 18,703,000 | 24,196,000 | 22,587,000 |
| Equity capital | 11,629,000 | 11,766,000 | 11,874,000 | 11,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 2,056,000 | 3,143,000 | 4,276,000 |
| Interest expense | 88,000 | 173,000 | 260,000 | 362,000 |
| Net interest income | 910,000 | 1,883,000 | 2,883,000 | 3,914,000 |
| Noninterest income | 173,000 | 371,000 | 574,000 | 749,000 |
| Noninterest expense | 968,000 | 2,085,000 | 3,178,000 | 4,271,000 |
| Provision for loan losses | 22,000 | 41,000 | 50,000 | 75,000 |
| Pretax income | 144,000 | 197,000 | 328,000 | 98,000 |
| Income tax | -5,000 | 0 | 0 | 5,000 |
| Net income | 149,000 | 197,000 | 328,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,608,000 | 12,656,000 | 12,787,000 | 12,476,000 |
| Total capital | 13,535,000 | 13,627,000 | 13,751,000 | 13,450,000 |
| Risk-weighted assets | 74,215,000 | 77,659,000 | 80,195,000 | 80,922,000 |