Call reports 2017
BCBANK, INC. — 2017
What BCBANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 117,717,000 | 121,269,000 | 122,063,000 | 123,110,000 |
| Total loans | 79,971,000 | 82,943,000 | 81,847,000 | 85,137,000 |
| Allowance for loan losses | 978,000 | 1,011,000 | 967,000 | 984,000 |
| Securities available for sale | 20,308,000 | 21,265,000 | 23,167,000 | 22,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,646,000 | 100,873,000 | 100,902,000 | 102,570,000 |
| Interest-bearing deposits | 75,376,000 | 81,479,000 | 82,781,000 | 84,844,000 |
| Noninterest-bearing deposits | 23,270,000 | 19,394,000 | 18,121,000 | 17,726,000 |
| Equity capital | 11,808,000 | 12,115,000 | 12,250,000 | 11,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,317,000 | 3,747,000 | 4,984,000 |
| Interest expense | 110,000 | 234,000 | 373,000 | 532,000 |
| Net interest income | 1,011,000 | 2,083,000 | 3,374,000 | 4,452,000 |
| Noninterest income | 179,000 | 371,000 | 567,000 | 679,000 |
| Noninterest expense | 975,000 | 2,014,000 | 3,030,000 | 4,083,000 |
| Provision for loan losses | 25,000 | 57,000 | 77,000 | 100,000 |
| Pretax income | 190,000 | 384,000 | 840,000 | 954,000 |
| Income tax | 10,000 | 31,000 | 287,000 | 495,000 |
| Net income | 180,000 | 353,000 | 553,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,655,000 | 12,828,000 | 13,028,000 | 13,005,000 |
| Total capital | 13,633,000 | 13,839,000 | 13,995,000 | 13,989,000 |
| Risk-weighted assets | 82,516,000 | 83,480,000 | 82,032,000 | 84,416,000 |