Call reports 2018
BCBANK, INC. — 2018
What BCBANK, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 126,010,000 | 131,376,000 | 135,044,000 | 135,198,000 |
| Total loans | 88,059,000 | 93,285,000 | 95,516,000 | 95,678,000 |
| Allowance for loan losses | 997,000 | 1,025,000 | 1,063,000 | 1,081,000 |
| Securities available for sale | 21,589,000 | 22,165,000 | 21,507,000 | 21,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,452,000 | 109,093,000 | 109,935,000 | 110,384,000 |
| Interest-bearing deposits | 84,281,000 | 87,664,000 | 89,440,000 | 91,582,000 |
| Noninterest-bearing deposits | 21,171,000 | 21,429,000 | 20,495,000 | 18,802,000 |
| Equity capital | 11,972,000 | 12,051,000 | 12,069,000 | 12,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,562,000 | 4,015,000 | 5,457,000 |
| Interest expense | 161,000 | 349,000 | 589,000 | 873,000 |
| Net interest income | 1,094,000 | 2,213,000 | 3,426,000 | 4,584,000 |
| Noninterest income | 184,000 | 392,000 | 599,000 | 826,000 |
| Noninterest expense | 1,013,000 | 2,150,000 | 3,286,000 | 4,572,000 |
| Provision for loan losses | 21,000 | 45,000 | 75,000 | 100,000 |
| Pretax income | 244,000 | 410,000 | 656,000 | 728,000 |
| Income tax | 37,000 | 68,000 | 111,000 | 127,000 |
| Net income | 207,000 | 342,000 | 545,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,212,000 | 13,347,000 | 13,487,000 | 13,543,000 |
| Total capital | 14,209,000 | 14,372,000 | 14,550,000 | 14,624,000 |
| Risk-weighted assets | 86,904,000 | 93,920,000 | 96,612,000 | 96,925,000 |