Call reports 2021
BCBANK, INC. — 2021
What BCBANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 158,183,000 | 160,244,000 | 173,651,000 | 182,930,000 |
| Total loans | 119,370,000 | 122,034,000 | 129,612,000 | 141,145,000 |
| Allowance for loan losses | 1,291,000 | 1,328,000 | 1,352,000 | 1,429,000 |
| Securities available for sale | 24,306,000 | 24,527,000 | 24,503,000 | 26,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,777,000 | 144,765,000 | 154,896,000 | 163,414,000 |
| Interest-bearing deposits | 109,823,000 | 114,769,000 | 120,923,000 | 128,486,000 |
| Noninterest-bearing deposits | 30,954,000 | 29,996,000 | 33,973,000 | 34,928,000 |
| Equity capital | 14,108,000 | 14,734,000 | 18,128,000 | 19,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,633,000 | 3,392,000 | 4,987,000 | 6,739,000 |
| Interest expense | 116,000 | 230,000 | 338,000 | 446,000 |
| Net interest income | 1,517,000 | 3,162,000 | 4,649,000 | 6,293,000 |
| Noninterest income | 208,000 | 430,000 | 677,000 | 957,000 |
| Noninterest expense | 1,254,000 | 2,548,000 | 3,840,000 | 5,110,000 |
| Provision for loan losses | 35,000 | 80,000 | 125,000 | 200,000 |
| Pretax income | 441,000 | 969,000 | 1,366,000 | 1,946,000 |
| Income tax | 94,000 | 94,000 | 94,000 | 139,000 |
| Net income | 347,000 | 875,000 | 1,272,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,244,000 | 14,772,000 | 18,169,000 | 18,939,000 |