Call reports 2023
BCBANK, INC. — 2023
What BCBANK, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 201,632,000 | 205,996,000 | 210,070,000 | 213,912,000 |
| Total loans | 155,895,000 | 161,059,000 | 163,340,000 | 165,114,000 |
| Allowance for loan losses | 1,590,000 | 1,633,000 | 1,662,000 | 1,578,000 |
| Securities available for sale | 27,599,000 | 26,923,000 | 28,364,000 | 31,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,779,000 | 175,396,000 | 182,143,000 | 185,295,000 |
| Interest-bearing deposits | 135,724,000 | 139,537,000 | 148,284,000 | 153,251,000 |
| Noninterest-bearing deposits | 36,055,000 | 35,859,000 | 33,859,000 | 32,044,000 |
| Equity capital | 18,792,000 | 18,773,000 | 18,377,000 | 19,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,163,000 | 4,534,000 | 7,054,000 | 9,720,000 |
| Interest expense | 575,000 | 1,429,000 | 2,510,000 | 3,766,000 |
| Net interest income | 1,588,000 | 3,105,000 | 4,544,000 | 5,954,000 |
| Noninterest income | 288,000 | 581,000 | 842,000 | 1,165,000 |
| Noninterest expense | 1,477,000 | 2,986,000 | 4,429,000 | 5,842,000 |
| Provision for loan losses | 25,000 | 60,000 | 60,000 | 0 |
| Pretax income | 369,000 | 633,000 | 889,000 | 1,242,000 |
| Income tax | 59,000 | 94,000 | 134,000 | 198,000 |
| Net income | 310,000 | 539,000 | 755,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,356,000 | 21,584,000 | 21,801,000 | 22,089,000 |