Bcb bancorp, inc. (BCBP)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Sep'10Jun'10
Interest and dividend income:
Loans, including fees

26,814

28,254

28,860

28,634

28,233

28,243

26,019

24,048

19,521

19,388

18,399

18,026

17,542

17,459

17,191

17,263

17,493

17,364

17,033

16,864

15,367

15,010

15,286

13,881

13,681

13,942

13,341

13,246

12,992

12,398

11,629

11,756

11,973

12,008

10,664

11,090

11,261

10,549

6,369

Mortgage-backed securities

563

583

652

738

770

791

827

837

699

649

581

603

527

-

167

50

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other investment securities

8

135

107

197

128

-

116

196

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Municipal bonds and other debt

-

-

-

-

-

-

-

-

104

169

113

159

103

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investments, taxable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

200

-

165

152

146

152

309

878

915

875

872

928

1,062

1,236

1,441

1,519

1,534

1,799

2,039

2,129

1,753

1,400

1,328

Investments, non-taxable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

3

13

12

13

12

12

12

13

12

12

12

12

12

13

12

10

-

FHLB stock dividends and other interest earning assets

2,034

1,994

1,750

1,173

1,347

1,263

1,009

615

618

435

313

281

283

-147

373

368

138

56

18

20

7

19

12

11

13

14

14

13

11

22

26

34

30

-

-

-

-

-

-

Total interest income

-

-

31,369

30,742

-

-

27,971

25,696

20,942

-

19,406

19,069

18,455

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other interest-earning assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

13

18

28

34

21

Total interest income

29,419

-

-

-

30,478

-

-

-

-

-

-

-

-

18,112

17,731

17,681

17,831

17,608

17,216

17,036

15,520

15,181

15,610

14,783

14,621

14,844

14,239

14,199

14,077

13,669

13,108

13,321

13,549

13,847

12,728

13,250

13,054

11,993

7,718

Interest expense:
Deposits:
Demand

2,208

2,023

1,898

1,750

1,576

1,412

1,130

975

797

766

700

677

673

673

585

470

362

279

245

227

172

135

124

127

121

120

114

107

103

104

106

160

194

187

215

222

225

311

176

Savings and club

105

103

102

110

113

126

116

105

97

98

100

100

99

98

99

93

89

94

93

94

122

132

92

91

91

93

93

91

86

87

88

135

167

216

260

275

269

514

238

Certificates of deposit

6,432

6,704

6,603

6,097

5,990

5,674

4,591

3,405

2,730

2,401

2,284

2,142

2,011

1,855

2,077

2,126

2,034

1,900

1,681

1,382

1,121

1,080

1,066

1,049

1,092

1,163

1,192

1,192

1,248

1,329

1,410

1,542

1,568

1,503

1,613

1,638

1,667

1,558

1,380

Total deposits

8,745

8,830

8,603

7,957

7,679

7,212

5,837

4,485

3,624

3,265

3,084

2,919

2,783

2,626

2,761

2,689

2,485

2,273

2,019

1,703

1,415

1,347

1,282

1,267

1,304

1,376

1,399

1,390

1,437

1,520

1,604

1,837

1,929

1,906

2,088

2,135

2,161

2,383

1,794

Borrowings

1,896

2,059

2,006

1,920

1,897

2,105

2,054

1,221

878

734

748

1,087

1,067

1,084

1,373

1,629

1,648

1,654

1,654

1,637

1,514

1,308

1,274

1,272

1,253

1,264

1,250

1,241

1,223

1,249

1,249

1,236

1,323

1,307

1,246

1,233

1,221

1,505

1,233

Total interest expense

10,641

10,889

10,609

9,877

9,576

9,317

7,891

5,706

4,502

3,999

3,832

4,006

3,850

3,710

4,134

4,318

4,133

3,927

3,673

3,340

2,929

2,655

2,556

2,539

2,557

2,640

2,649

2,631

2,660

2,769

2,853

3,073

3,252

3,213

3,334

3,368

3,382

3,888

3,027

Net interest income

18,778

20,077

20,760

20,865

20,902

21,171

20,080

19,990

16,440

16,642

15,574

15,063

14,605

14,402

13,597

13,363

13,698

13,681

13,543

13,696

12,591

12,526

13,054

12,244

12,064

12,204

11,590

11,568

11,417

10,900

10,255

10,248

10,297

10,634

9,394

9,882

9,672

8,105

4,691

Provision for loan losses

1,500

-475

900

755

889

821

907

2,060

1,342

325

511

776

498

102

-301

37

189

360

70

1,130

720

700

650

450

1,000

500

450

600

1,200

1,500

1,600

1,200

600

2,500

800

450

350

800

300

Net interest income after provision for loan losses

17,278

20,552

19,860

20,110

20,013

20,350

19,173

17,930

15,098

16,317

15,063

14,287

14,107

14,300

13,898

13,326

13,509

13,321

13,473

12,566

11,871

11,826

12,404

11,794

11,064

11,704

11,140

10,968

10,217

9,400

8,655

9,048

9,697

8,134

8,594

9,432

9,322

7,305

4,391

Non-interest income:
Fees and service charges

726

819

855

802

883

1,012

1,092

971

710

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Fees and service charges

-

-

-

-

-

-

-

-

-

718

749

838

796

756

873

736

711

346

520

695

500

529

627

528

504

475

444

479

424

129

368

608

490

308

76

243

219

310

240

Gain on sales of loans

61

192

89

437

318

436

738

576

583

746

540

733

338

655

718

1,029

924

1,707

1,415

1,075

676

-

360

230

777

-

263

227

119

-

288

316

640

293

190

226

178

67

56

Loss on bulk sale of impaired loans held in portfolio

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-4,012

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of loans acquired

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

288

-2

-

-

-

-

-

-

Gain on bulk sale of impaired loans held in portfolio

-

0

0

0

107

0

0

0

-24

-

-

-

-

-

-88

-285

-

-

-

-

-

-

-

-

-

-

-

-

-

258

-3,462

-7,342

-258

-

-

-

-

-

-

Gain on sales of other real estate owned

-

0

124

45

8

-

14

-10

-

15

222

197

1,151

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

38

-137

-

-121

-80

-80

-

-

Gain on sale of investment securities

-

-

283

21

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized (loss) gain on equity investments

-440

-

-

-

291

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of investment securities

-

-

-

-

-

-

-

-

-

-

97

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized (loss) gain on equity investments

-

-

-45

-26

-

-

-82

-33

-127

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,249

39

-

-

-

135

224

-

-

-

-

-

-

-

-

-

-

Gain on sale of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,223

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12,582

-

Gain on sale of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

18

-

-

-

31

66

128

-

-

18

-

-

-

Other

336

70

77

49

53

65

90

59

2,244

36

25

254

28

22

27

26

19

56

29

17

29

29

26

18

19

25

38

40

17

28

36

41

24

56

37

22

136

17

8

Total non-interest income

683

1,020

1,383

1,328

1,660

1,159

1,852

1,563

3,386

1,515

1,633

2,022

2,313

1,433

1,530

1,506

1,654

2,109

1,964

1,787

1,205

1,370

-750

2,038

1,300

947

763

881

784

543

-2,739

-6,311

1,282

1,304

182

429

533

12,976

304

Non-interest expense:
Salaries and employee benefits

7,389

7,329

7,294

6,918

6,915

7,042

7,156

7,125

6,267

5,813

5,925

5,878

6,090

6,346

6,747

6,160

6,024

6,286

5,941

5,616

5,225

5,368

5,274

5,042

4,461

4,482

4,024

3,719

3,466

3,413

3,780

3,891

3,933

3,544

3,229

2,900

3,007

4,760

1,403

Occupancy and equipment

2,824

2,734

2,647

2,649

2,630

2,551

2,490

2,476

2,062

2,089

2,038

1,989

2,158

2,061

2,192

2,043

1,872

1,953

1,949

1,942

1,791

2,698

1,066

964

980

905

933

866

812

970

855

887

846

794

743

723

779

755

273

Data processing service fees

938

959

776

731

721

876

942

828

729

713

703

678

653

346

358

833

1,062

1,164

1,013

1,010

1,051

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,474

1,341

1,357

1,362

1,397

1,282

1,166

1,161

1,147

1,151

1,448

1,149

1,061

1,068

1,023

1,113

536

Professional fees

470

659

368

473

533

462

437

533

505

597

491

1,383

363

435

457

483

427

464

421

304

102

578

520

533

490

530

693

568

459

120

1,344

595

431

232

594

258

203

252

61

Director fees

358

391

356

316

318

158

192

201

201

115

198

198

180

151

183

183

153

-32

181

200

179

183

182

194

168

168

168

168

168

168

168

182

210

210

180

180

119

131

108

Regulatory assessments

321

-

-91

-

457

-

419

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Regulatory assessments

-

-

-

417

-

-

-

290

239

117

318

331

361

429

429

360

350

350

328

265

275

307

301

282

252

267

286

278

265

273

294

295

310

266

122

355

438

383

189

Advertising and promotional

61

74

64

123

73

108

129

100

85

58

117

115

143

366

482

390

363

1,183

359

237

438

315

278

266

174

154

149

178

102

113

125

129

117

106

115

106

72

100

71

Other real estate owned, net

26

-6

-31

124

-16

59

22

160

31

82

9

13

42

75

36

94

16

378

27

120

49

-21

61

32

8

63

99

-32

-84

1,232

443

16

245

-

-

-

-

-

-

Merger related expenses

-

-

-

-

-

105

119

2,039

145

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

81

256

-

288

144

Other

1,977

1,989

2,269

2,143

2,146

2,036

2,485

2,228

1,747

1,649

1,500

1,563

1,572

1,440

1,459

1,620

1,470

1,867

1,473

1,469

874

1,143

770

812

666

680

584

562

550

1,057

845

853

842

866

623

711

988

856

394

Total non-interest expense

14,364

14,260

13,652

13,894

13,777

13,884

14,391

15,980

12,011

12,035

11,299

12,148

11,562

11,649

12,343

12,166

11,737

13,613

11,692

11,163

9,984

10,461

9,926

9,466

8,556

8,611

8,333

7,589

6,904

8,507

9,001

7,999

8,382

8,492

6,748

6,557

6,709

8,638

3,179

Income before income tax provision

3,597

7,312

7,591

7,544

7,896

7,625

6,634

3,513

6,473

5,797

5,397

4,161

4,858

4,084

3,085

2,666

3,426

1,817

3,745

3,190

3,092

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before income tax provision

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,728

4,366

3,808

-

3,570

4,260

4,097

1,436

-3,085

-5,262

2,597

946

2,028

3,304

3,146

11,643

1,516

Income tax provision

1,076

2,188

2,359

2,317

2,445

2,401

2,040

1,200

1,841

4,458

2,180

1,648

1,945

1,611

1,171

1,085

1,391

796

1,463

1,309

1,246

1,098

640

1,736

1,573

1,729

1,428

1,707

1,687

379

-1,740

-1,900

1,009

-44

840

1,352

1,225

-299

594

Net Income

2,521

5,124

5,232

5,227

5,451

5,224

4,594

2,313

4,632

1,339

3,217

2,513

2,913

2,473

1,914

1,581

2,035

1,021

2,282

1,881

1,846

1,637

1,088

2,630

2,235

2,311

2,142

2,553

2,410

1,057

-1,345

-3,362

1,588

990

1,188

1,952

1,921

11,942

922

Preferred stock dividends

342

345

342

342

317

262

263

262

166

165

166

165

118

234

234

234

234

260

254

201

202

201

202

204

193

169

130

130

130

-

-

-

-

-

-

-

-

-

-

Net Income available to common stockholders

2,179

4,779

4,890

4,885

5,134

4,962

4,331

2,051

4,466

1,174

3,051

2,348

2,795

2,239

1,680

1,347

1,801

761

2,028

1,680

1,644

1,436

886

2,426

2,042

2,142

2,012

2,423

2,280

1,057

-1,345

-3,362

1,588

-

-

-

-

-

-

Net Income per common share-basic and diluted
Basic

0.12

0.28

0.30

0.30

0.32

0.32

0.27

0.13

0.30

0.05

0.25

0.21

0.25

0.20

0.15

0.12

0.16

0.05

0.24

0.20

0.20

0.17

0.11

0.29

0.24

0.26

0.24

0.29

0.27

0.12

-0.15

-0.37

0.17

0.10

0.13

0.21

0.20

1.29

0.20

Diluted

0.12

0.28

0.30

0.30

0.32

0.32

0.27

0.13

0.29

0.04

0.25

0.21

0.25

0.20

0.15

0.12

0.16

0.05

0.24

0.20

0.20

0.17

0.11

0.29

0.24

0.26

0.24

0.29

0.27

0.12

-0.15

-0.37

0.17

0.10

0.13

0.21

0.20

1.29

0.20

Weighted average number of common shares outstanding
Basic

17,502

16,509

16,468

16,413

16,078

15,821

15,789

15,610

15,048

14,897

12,142

11,295

11,278

11,260

11,246

11,229

11,217

10,155

8,436

8,421

8,400

8,391

8,380

8,353

8,340

8,320

8,365

8,411

8,492

8,509

8,685

9,142

9,436

9,674

9,245

9,356

9,393

9,300

4,663

Diluted

17,551

16,587

16,523

16,471

16,111

15,819

15,896

15,748

15,181

15,041

12,226

11,405

11,360

11,294

11,258

11,233

11,219

10,179

8,453

8,447

8,421

8,448

8,413

8,401

8,342

8,329

8,368

8,417

8,494

8,496

8,685

9,142

9,449

9,686

9,259

9,374

9,413

9,315

4,678