Bcb bancorp, inc. (BCBP)
Income statement / TTM
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

112,562

113,981

113,970

111,129

106,543

97,831

88,976

81,356

75,334

73,355

71,426

70,218

69,455

69,406

69,311

69,153

68,754

66,628

64,274

62,527

59,544

57,858

56,790

54,845

54,210

53,521

51,977

50,265

48,775

47,756

47,366

46,401

45,735

45,023

43,564

39,269

0

0

0

Mortgage-backed securities

2,536

2,743

2,951

3,126

3,225

3,154

3,012

2,766

2,532

2,360

1,878

1,347

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other investment securities

447

567

548

637

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Municipal bonds and other debt

-

-

-

-

-

-

-

-

545

544

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investments, taxable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

705

-

615

759

1,485

2,254

2,977

3,540

3,590

3,737

4,098

4,667

5,258

5,730

6,293

6,891

7,501

7,720

7,321

6,610

0

0

0

Investments, non-taxable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

28

41

50

49

49

49

49

49

49

48

48

49

49

47

0

0

0

-

FHLB stock dividends and other interest earning assets

6,951

6,264

5,533

4,792

4,234

3,505

2,677

1,981

1,647

1,312

730

790

877

732

935

580

232

101

64

58

49

55

50

52

54

52

60

72

93

112

0

0

0

-

-

-

-

-

-

Total interest income

-

-

0

0

-

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other interest-earning assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

93

101

0

0

0

Total interest income

0

-

-

-

0

-

-

-

-

-

-

-

-

71,355

70,851

70,336

69,691

67,380

64,953

63,347

61,094

60,195

59,858

58,487

57,903

57,359

56,184

55,053

54,175

53,647

53,825

53,445

53,374

52,879

51,025

46,015

0

0

0

Interest expense:
Deposits:
Demand

7,879

7,247

6,636

5,868

5,093

4,314

3,668

3,238

2,940

2,816

2,723

2,608

2,401

2,090

1,696

1,356

1,113

923

779

658

558

507

492

482

462

444

428

420

473

564

647

756

818

849

973

934

0

0

0

Savings and club

420

428

451

465

460

444

416

400

395

397

397

396

389

379

375

369

370

403

441

440

437

406

367

368

368

363

357

352

396

477

606

778

918

1,020

1,318

1,296

0

0

0

Certificates of deposit

25,836

25,394

24,364

22,352

19,660

16,400

13,127

10,820

9,557

8,838

8,292

8,085

8,069

8,092

8,137

7,741

6,997

6,084

5,264

4,649

4,316

4,287

4,370

4,496

4,639

4,795

4,961

5,179

5,529

5,849

6,023

6,226

6,322

6,421

6,476

6,243

0

0

0

Total deposits

34,135

33,069

31,451

28,685

25,213

21,158

17,211

14,458

12,892

12,051

11,412

11,089

10,859

10,561

10,208

9,466

8,480

7,410

6,484

5,747

5,311

5,200

5,229

5,346

5,469

5,602

5,746

5,951

6,398

6,890

7,276

7,760

8,058

8,290

8,767

8,473

0

0

0

Borrowings

7,881

7,882

7,928

7,976

7,277

6,258

4,887

3,581

3,447

3,636

3,986

4,611

5,153

5,734

6,304

6,585

6,593

6,459

6,113

5,733

5,368

5,107

5,063

5,039

5,008

4,978

4,963

4,962

4,957

5,057

5,115

5,112

5,109

5,007

5,205

5,192

0

0

0

Total interest expense

42,016

40,951

39,379

36,661

32,490

27,416

22,098

18,039

16,339

15,687

15,398

15,700

16,012

16,295

16,512

16,051

15,073

13,869

12,597

11,480

10,679

10,307

10,292

10,385

10,477

10,580

10,709

10,913

11,355

11,947

12,391

12,872

13,167

13,297

13,972

13,665

0

0

0

Net interest income

80,480

82,604

83,698

83,018

82,143

77,681

73,152

68,646

63,719

61,884

59,644

57,667

55,967

55,060

54,339

54,285

54,618

53,511

52,356

51,867

50,415

49,888

49,566

48,102

47,426

46,779

45,475

44,140

42,820

41,700

41,434

40,573

40,207

39,582

37,053

32,350

0

0

0

Provision for loan losses

2,680

2,069

3,365

3,372

4,677

5,130

4,634

4,238

2,954

2,110

1,887

1,075

336

27

285

656

1,749

2,280

2,620

3,200

2,520

2,800

2,600

2,400

2,550

2,750

3,750

4,900

5,500

4,900

5,900

5,100

4,350

4,100

2,400

1,900

0

0

0

Net interest income after provision for loan losses

77,800

80,535

80,333

79,646

77,466

72,551

68,518

64,408

60,765

59,774

57,757

56,592

55,631

55,033

54,054

53,629

52,869

51,231

49,736

48,667

47,895

47,088

46,966

45,702

44,876

44,029

41,725

39,240

37,320

36,800

35,534

35,473

35,857

35,482

34,653

30,450

0

0

0

Non-interest income:
Fees and service charges

3,202

3,359

3,552

3,789

3,958

3,785

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Fees and service charges

-

-

-

-

-

-

-

-

-

3,101

3,139

3,263

3,161

3,076

2,666

2,313

2,272

2,061

2,244

2,351

2,184

2,188

2,134

1,951

1,902

1,822

1,476

1,400

1,529

1,595

1,774

1,482

1,117

846

848

1,012

0

0

0

Gain on sales of loans

779

1,036

1,280

1,929

2,068

2,333

2,643

2,445

2,602

2,357

2,266

2,444

2,740

3,326

4,378

5,075

5,121

4,873

0

0

0

-

0

0

0

-

0

0

0

-

1,537

1,439

1,349

887

661

527

0

0

0

Loss on bulk sale of impaired loans held in portfolio

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of loans acquired

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

286

0

0

0

-

-

-

-

-

-

Gain on bulk sale of impaired loans held in portfolio

-

107

107

107

107

-24

0

0

0

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-10,804

0

0

0

-

-

-

-

-

-

Gain on sales of other real estate owned

-

177

191

57

0

-

0

0

-

1,585

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

0

0

-

-

Gain on sale of investment securities

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized (loss) gain on equity investments

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of investment securities

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized (loss) gain on equity investments

-

-

-160

-197

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

Gain on sale of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Gain on sale of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

0

0

-

-

0

-

-

-

Other

532

249

244

257

267

2,458

2,429

2,364

2,559

343

329

331

103

94

128

130

121

131

104

101

102

92

88

100

122

120

123

121

122

129

157

158

139

251

212

183

0

0

0

Total non-interest income

4,414

5,391

5,530

5,999

6,234

7,960

8,316

8,097

8,556

7,483

7,401

7,298

6,782

6,123

6,799

7,233

7,514

7,065

6,326

3,612

3,863

3,958

3,535

5,048

3,891

3,375

2,971

-531

-7,723

-7,225

-6,464

-3,543

3,197

2,448

14,120

14,242

0

0

0

Non-interest expense:
Salaries and employee benefits

28,930

28,456

28,169

28,031

28,238

27,590

26,361

25,130

23,883

23,706

24,239

25,061

25,343

25,277

25,217

24,411

23,867

23,068

22,150

21,483

20,909

20,145

19,259

18,009

16,686

15,691

14,622

14,378

14,550

15,017

15,148

14,597

13,606

12,680

13,896

12,070

0

0

0

Occupancy and equipment

10,854

10,660

10,477

10,320

10,147

9,579

9,117

8,665

8,178

8,274

8,246

8,400

8,454

8,168

8,060

7,817

7,716

7,635

8,380

7,497

6,519

5,708

3,915

3,782

3,684

3,516

3,581

3,503

3,524

3,558

3,382

3,270

3,106

3,039

3,000

2,530

0

0

0

Data processing service fees

3,404

3,187

3,104

3,270

3,367

3,375

3,212

2,973

2,823

2,747

2,380

2,035

2,190

2,599

3,417

4,072

4,249

4,238

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5,534

5,457

5,398

5,207

5,006

4,756

4,625

4,907

4,895

4,809

4,726

4,301

4,265

3,740

0

0

0

Professional fees

1,970

2,033

1,836

1,905

1,965

1,937

2,072

2,126

2,976

2,834

2,672

2,638

1,738

1,802

1,831

1,795

1,616

1,291

1,405

1,504

1,733

2,121

2,073

2,246

2,281

2,250

1,840

2,491

2,518

2,490

2,602

1,852

1,515

1,287

1,307

774

0

0

0

Director fees

1,421

1,381

1,148

984

869

752

709

715

712

691

727

712

697

670

487

485

502

528

743

744

738

727

712

698

672

672

672

672

686

728

770

782

780

689

610

538

0

0

0

Regulatory assessments

0

-

0

-

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Regulatory assessments

-

-

-

1,780

-

-

-

964

1,005

1,127

1,439

1,550

1,579

1,568

1,489

1,388

1,293

1,218

1,175

1,148

1,165

1,142

1,102

1,087

1,083

1,096

1,102

1,110

1,127

1,172

1,165

993

1,053

1,181

1,298

1,365

0

0

0

Advertising and promotional

322

334

368

433

410

422

372

360

375

433

741

1,106

1,381

1,601

2,418

2,295

2,142

2,217

1,349

1,268

1,297

1,033

872

743

655

583

542

518

469

484

477

467

444

399

393

349

0

0

0

Other real estate owned, net

113

71

136

189

225

272

295

282

135

146

139

166

247

221

524

515

541

574

175

209

121

80

164

202

138

46

1,215

1,559

1,607

1,936

0

0

0

-

-

-

-

-

-

Merger related expenses

-

-

-

-

-

2,408

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

0

Other

8,378

8,547

8,594

8,810

8,895

8,496

8,109

7,124

6,459

6,284

6,075

6,034

6,091

5,989

6,416

6,430

6,279

5,683

4,959

4,256

3,599

3,391

2,928

2,742

2,492

2,376

2,753

3,014

3,305

3,597

3,406

3,184

3,042

3,188

3,178

2,949

0

0

0

Total non-interest expense

56,170

55,583

55,207

55,946

58,032

56,266

54,417

51,325

47,493

47,044

46,658

47,702

47,720

47,895

49,859

49,208

48,205

46,452

43,300

41,534

39,837

38,409

36,559

34,966

33,089

31,437

31,333

32,001

32,411

33,889

33,874

31,621

30,179

28,506

28,652

25,083

0

0

0

Income before income tax provision

26,044

30,343

30,656

29,699

25,668

24,245

22,417

21,180

21,828

20,213

18,500

16,188

14,693

13,261

10,994

11,654

12,178

11,844

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before income tax provision

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

13,363

6,708

-2,814

-4,314

-4,804

309

8,875

9,424

20,121

19,609

0

0

0

Income tax provision

7,940

9,309

9,522

9,203

8,086

7,482

9,539

9,679

10,127

10,231

7,384

6,375

5,812

5,258

4,443

4,735

4,959

4,814

5,116

4,293

4,720

5,047

5,678

6,466

6,437

6,551

5,201

2,033

-1,574

-2,252

-2,675

-95

3,157

3,373

3,118

2,872

0

0

0

Net Income

18,104

21,034

21,134

20,496

17,582

16,763

12,878

11,501

11,701

9,982

11,116

9,813

8,881

8,003

6,551

6,919

7,219

7,030

7,646

6,452

7,201

7,590

8,264

9,318

9,241

9,416

8,162

4,675

-1,240

-2,062

-2,129

404

5,718

6,051

17,003

16,737

0

0

0

Preferred stock dividends

1,371

1,346

1,263

1,184

1,104

953

856

759

662

614

683

751

820

936

962

982

949

917

858

806

809

800

768

696

622

559

0

0

0

-

-

-

-

-

-

-

-

-

-

Net Income available to common stockholders

16,733

19,688

19,871

19,312

16,478

15,810

12,022

10,742

11,039

9,368

10,433

9,062

8,061

7,067

5,589

5,937

6,270

6,113

6,788

5,646

6,392

6,790

7,496

8,622

8,619

8,857

7,772

4,415

-1,370

-2,062

0

0

0

-

-

-

-

-

-

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