Call reports 2020
BCBANK, INC. — 2020
What BCBANK, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 141,056,000 | 146,790,000 | 151,178,000 | 151,491,000 |
| Total loans | 102,515,000 | 108,827,000 | 111,175,000 | 112,106,000 |
| Allowance for loan losses | 1,168,000 | 1,198,000 | 1,234,000 | 1,260,000 |
| Securities available for sale | 21,896,000 | 22,676,000 | 22,401,000 | 23,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,673,000 | 125,583,000 | 129,728,000 | 132,289,000 |
| Interest-bearing deposits | 96,806,000 | 97,689,000 | 101,580,000 | 104,589,000 |
| Noninterest-bearing deposits | 21,867,000 | 27,894,000 | 28,148,000 | 27,700,000 |
| Equity capital | 12,639,000 | 13,250,000 | 13,636,000 | 14,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,293,000 | 4,847,000 | 6,406,000 |
| Interest expense | 285,000 | 470,000 | 620,000 | 754,000 |
| Net interest income | 1,261,000 | 2,823,000 | 4,227,000 | 5,652,000 |
| Noninterest income | 208,000 | 396,000 | 618,000 | 858,000 |
| Noninterest expense | 1,148,000 | 2,340,000 | 3,505,000 | 4,755,000 |
| Provision for loan losses | 29,000 | 65,000 | 115,000 | 150,000 |
| Pretax income | 298,000 | 821,000 | 1,275,000 | 1,661,000 |
| Income tax | 61,000 | 146,000 | 243,000 | 349,000 |
| Net income | 237,000 | 675,000 | 1,032,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,988,000 | 13,427,000 | 13,784,000 | 14,064,000 |