Call reports 2022
BCBANK, INC. — 2022
What BCBANK, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 190,472,000 | 187,992,000 | 196,003,000 | 197,040,000 |
| Total loans | 140,321,000 | 147,867,000 | 153,205,000 | 152,240,000 |
| Allowance for loan losses | 1,477,000 | 1,559,000 | 1,610,000 | 1,581,000 |
| Securities available for sale | 26,952,000 | 26,054,000 | 25,657,000 | 27,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,756,000 | 165,640,000 | 170,287,000 | 172,388,000 |
| Interest-bearing deposits | 130,269,000 | 129,812,000 | 134,042,000 | 134,191,000 |
| Noninterest-bearing deposits | 36,487,000 | 35,828,000 | 36,245,000 | 38,197,000 |
| Equity capital | 18,598,000 | 17,932,000 | 17,755,000 | 18,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,722,000 | 3,590,000 | 5,584,000 | 7,684,000 |
| Interest expense | 118,000 | 248,000 | 477,000 | 926,000 |
| Net interest income | 1,604,000 | 3,342,000 | 5,107,000 | 6,758,000 |
| Noninterest income | 471,000 | 754,000 | 1,047,000 | 1,343,000 |
| Noninterest expense | 1,133,000 | 2,411,000 | 3,799,000 | 5,123,000 |
| Provision for loan losses | 45,000 | 125,000 | 180,000 | 225,000 |
| Pretax income | 899,000 | 1,562,000 | 2,171,000 | 2,749,000 |
| Income tax | 188,000 | 271,000 | 391,000 | 433,000 |
| Net income | 711,000 | 1,291,000 | 1,780,000 | 2,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,442,000 | 20,022,000 | 20,511,000 | 21,046,000 |