Call reports 2019
BCBANK, INC. — 2019
What BCBANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 138,119,000 | 139,781,000 | 142,158,000 | 139,259,000 |
| Total loans | 97,563,000 | 100,345,000 | 103,079,000 | 101,598,000 |
| Allowance for loan losses | 1,105,000 | 1,123,000 | 1,134,000 | 1,141,000 |
| Securities available for sale | 21,955,000 | 23,394,000 | 22,825,000 | 22,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,371,000 | 117,061,000 | 117,578,000 | 116,530,000 |
| Interest-bearing deposits | 96,171,000 | 96,582,000 | 97,584,000 | 96,122,000 |
| Noninterest-bearing deposits | 20,200,000 | 20,479,000 | 19,994,000 | 20,408,000 |
| Equity capital | 12,621,000 | 13,043,000 | 13,311,000 | 12,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,970,000 | 4,560,000 | 6,118,000 |
| Interest expense | 307,000 | 630,000 | 948,000 | 1,266,000 |
| Net interest income | 1,146,000 | 2,340,000 | 3,612,000 | 4,852,000 |
| Noninterest income | 199,000 | 430,000 | 682,000 | 898,000 |
| Noninterest expense | 1,136,000 | 2,366,000 | 3,550,000 | 4,782,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 100,000 |
| Pretax income | 188,000 | 357,000 | 680,000 | 876,000 |
| Income tax | 52,000 | 79,000 | 142,000 | 164,000 |
| Net income | 136,000 | 278,000 | 538,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,617,000 | 13,758,000 | 14,019,000 | 12,893,000 |
| Total capital | 14,722,000 | 14,881,000 | 15,153,000 | 14,034,000 |
| Risk-weighted assets | 97,907,000 | 99,980,000 | 102,541,000 | 99,944,000 |