Bcb bancorp, inc. (BCBP)
Income statement / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09
Interest and dividend income:
Loans, including fees

113,981

97,831

73,355

69,406

66,628

57,858

53,521

47,756

45,023

34,502

27,349

Mortgage-backed securities

2,743

3,154

2,360

1,198

651

-

-

-

-

-

-

Other investment securities

567

607

-

-

-

-

-

-

-

-

-

Municipal bonds and other debt

-

-

544

19

-

-

-

-

-

-

-

Investments, taxable

-

-

-

-

-

2,254

3,737

5,730

7,720

5,457

6,982

Investments, non-taxable

-

-

-

-

-

28

49

49

49

24

-

FHLB stock dividends and other interest earning assets

6,264

3,505

1,312

732

101

55

52

112

87

-

-

Other interest-earning assets

-

-

-

-

-

-

-

-

-

117

47

Total interest income

123,555

105,097

77,571

71,355

67,380

60,195

57,359

53,647

52,879

40,100

34,378

Interest expense:
Deposits:
Demand

7,247

4,314

2,816

2,090

923

507

444

564

849

938

877

Savings and club

428

444

397

379

403

406

363

477

1,020

1,304

1,157

Certificates of deposit

25,394

16,400

8,838

8,092

6,084

4,287

4,795

5,849

6,421

6,220

7,984

Total deposits

33,069

21,158

12,051

10,561

7,410

5,200

5,602

6,890

8,290

8,462

10,018

Borrowings

7,882

6,258

3,636

5,734

6,459

5,107

4,978

5,057

5,007

5,206

4,976

Total interest expense

40,951

27,416

15,687

16,295

13,869

10,307

10,580

11,947

13,297

13,668

14,994

Net interest income

82,604

77,681

61,884

55,060

53,511

49,888

46,779

41,700

39,582

26,432

19,384

Provision for loan losses

2,069

5,130

2,110

27

2,280

2,800

2,750

4,900

4,100

2,450

1,550

Net interest income after provision for loan losses

80,535

72,551

59,774

55,033

51,231

47,088

44,029

36,800

35,482

23,982

17,834

Non-interest income:
Fees and service charges

3,359

3,785

-

-

-

-

-

-

-

-

-

Fees and service charges

-

-

3,101

3,076

2,061

2,188

1,822

1,595

846

907

657

Gain on sales of loans and other real estate owned

-

-

-

-

-

2,179

1,529

-

-

-

-

Gain on sales of loans

1,036

2,333

2,357

3,326

4,873

-

-

-

887

295

225

Loss on bulk sale of impaired loans held in portfolio

-

-

-

-

-

-4,012

-474

-

-

-

-

Gain on sales of loans and other real estate owned

-

-

-

-

-

-

-

1,220

-

-

-

Gain on sale of loans acquired

-

-

-

-

-

-

-

286

-

-

-

Gain on bulk sale of impaired loans held in portfolio

107

-24

-

-373

-

-

-

-10,804

-

-

-

Gain on sales of other real estate owned

177

30

1,585

-

-

-

-

-

-

-345

13

Gain on sale of investment securities

262

-

-

-

-

-

-

-

-

-

-

Unrealized (loss) gain on equity investments

201

-622

-

-

-

-

-

-

-

-

-

Gain on sale of investment securities available for sale

-

-

97

-

-

-

-

-

-

-

-

Loss on sale of property held for sale

-

-

-

-

-

-

-

-

-124

-

-

Loss on write-down of fixed assets

-

-

-

-

-

-

-

-

592

-

-

Gain on sale of securities held to maturity

-

-

-

-

-

2,288

378

349

18

-

-

Gain on sale of securities available for sale

-

-

-

-

-

1,223

-

-

-

-

-

Gain on sale of securities available for sale

-

-

-

-

-

-

-

-

1,162

-

-

Gain on bargain purchase

-

-

-

-

-

-

-

-

-

12,582

-

Other

249

2,458

343

94

131

92

120

129

251

423

36

Total non-interest income

5,391

7,960

7,483

6,123

7,065

3,958

3,375

-7,225

2,448

14,207

931

Non-interest expense:
Salaries and employee benefits

28,456

27,590

23,706

25,277

23,068

20,145

15,691

15,017

12,680

10,785

5,403

Occupancy and equipment

10,660

9,579

8,274

8,168

7,635

5,708

3,516

3,558

3,039

1,932

1,122

Data processing service fees

3,187

3,375

2,747

2,599

4,238

4,062

-

-

-

-

-

Equipment

-

-

-

-

-

-

5,207

4,907

4,301

3,293

2,124

Professional fees

2,033

1,937

2,834

1,802

1,291

2,121

2,250

2,490

1,287

780

465

Director fees

1,381

752

691

670

528

727

672

728

689

553

395

Regulatory assessments

914

1,435

-

-

-

-

-

-

-

-

-

Regulatory assessments

-

-

1,127

1,568

1,218

1,142

1,096

1,172

1,181

1,204

1,137

Advertising and promotional

334

422

433

1,601

2,217

1,033

583

484

399

336

273

Other real estate owned, net

71

272

146

221

574

80

46

1,936

1,204

345

-

Merger related expenses

-

2,408

802

-

-

-

-

-

538

644

648

Other

8,547

8,496

6,284

5,989

5,683

3,391

2,376

3,597

3,188

2,486

829

Total non-interest expense

55,583

56,266

47,044

47,895

46,452

38,409

31,437

33,889

28,506

22,358

12,396

Income before income tax provision

30,343

24,245

20,213

13,261

11,844

12,637

15,967

-

-

-

-

Income before income tax provision

-

-

-

-

-

-

-

-4,314

9,424

15,831

6,369

Income tax provision

9,309

7,482

10,231

5,258

4,814

5,047

6,551

-2,252

3,373

1,505

2,621

Net Income

21,034

16,763

9,982

8,003

7,030

7,590

9,416

-2,062

6,051

14,326

3,748

Preferred stock dividends

1,346

953

614

936

917

800

559

-

-

-

-

Net Income available to common stockholders

19,688

15,810

9,368

7,067

6,113

6,790

8,857

-2,062

6,051

14,326

-

Net Income per common share-basic and diluted
Basic

1.20

1.02

0.76

0.63

0.69

0.81

1.06

-0.23

0.64

2.06

0.81

Diluted

1.20

1.01

0.75

0.63

0.69

0.81

1.06

-0.23

0.64

2.05

0.80

Weighted average number of common shares outstanding
Basic

16,367

15,567

12,403

11,238

8,853

8,366

8,397

8,943

9,417

6,968

4,655

Diluted

16,423

15,661

12,508

11,251

8,875

8,401

8,402

8,943

9,433

6,983

4,676