Bsb bancorp, inc. (BLMT)
Income statement / Quarterly
Dec'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'10Dec'09
Interest and dividend income:
Interest and fees on loans

24,541

23,778

22,320

20,698

19,684

18,432

17,508

16,387

15,267

14,696

14,138

13,412

12,520

11,459

10,679

10,232

9,763

9,235

8,402

7,893

7,979

7,268

6,664

6,492

6,536

6,364

5,791

5,877

5,457

4,908

4,774

4,386

4,405

4,591

4,796

Interest on taxable debt securities

866

857

823

948

903

829

849

775

746

784

801

828

821

764

738

741

772

749

804

806

865

684

424

482

584

559

371

610

674

701

566

595

716

757

756

Dividends

564

525

450

384

327

320

290

256

226

193

186

155

128

123

64

58

43

38

33

29

7

7

7

7

9

10

18

10

7

5

13

90

65

86

81

Other interest income

335

484

289

389

201

177

117

88

53

53

39

44

21

15

22

21

21

14

29

21

21

21

23

17

14

18

40

13

30

6

8

2

3

2

4

Total interest and dividend income

26,306

25,644

23,882

22,419

21,115

19,758

18,764

17,506

16,292

15,726

15,164

14,439

13,490

12,361

11,503

11,052

10,599

10,036

9,268

8,749

8,872

7,980

7,118

6,998

7,143

6,951

6,220

6,510

6,168

5,620

5,361

5,073

5,189

5,436

5,637

Interest expense:
Interest on deposits

7,415

6,498

5,427

4,421

3,908

3,391

2,988

2,613

2,534

2,427

2,348

2,125

2,083

1,989

1,941

1,755

1,678

1,575

1,388

1,168

1,102

1,041

1,040

1,032

1,076

1,080

1,031

938

901

905

962

888

951

978

1,063

Interest on Federal Home Loan Bank advances

3,446

3,736

3,350

2,859

2,505

2,187

1,827

1,631

1,382

1,271

1,108

1,027

769

567

527

531

382

313

263

251

204

173

173

185

205

211

244

298

331

421

535

605

802

929

1,175

Interest on securities sold under agreements to repurchase

1

1

2

1

1

1

1

1

1

1

1

1

1

1

1

1

0

1

1

1

1

1

1

1

1

1

3

3

4

3

4

5

10

9

11

Interest on other borrowed funds

-

-

-

-

-

-

-

-

0

0

0

5

7

7

7

7

8

7

7

8

9

8

8

8

10

11

10

11

12

12

12

45

60

58

63

Total interest expense

10,862

10,235

8,779

7,281

6,414

5,579

4,816

4,245

3,917

3,699

3,457

3,158

2,860

2,564

2,476

2,294

2,068

1,896

1,659

1,428

1,316

1,223

1,222

1,226

1,292

1,303

1,288

1,250

1,248

1,341

1,513

1,543

1,823

1,974

2,312

Net interest and dividend income

15,444

15,409

15,103

15,138

14,701

14,179

13,948

13,261

12,375

12,027

11,707

11,281

10,630

9,797

9,027

8,758

8,531

8,140

7,609

7,321

7,556

6,757

5,896

5,772

5,851

5,648

4,932

5,260

4,920

4,279

3,848

3,530

3,366

3,462

3,325

Provision for loan losses

466

191

726

274

691

535

707

829

602

443

741

599

887

727

365

338

565

292

307

388

633

438

100

327

696

734

825

481

747

320

742

476

-33

-4

152

Net interest and dividend income after provision for loan losses

14,978

15,218

14,377

14,864

14,010

13,644

13,241

12,432

11,773

11,584

10,966

10,682

9,743

9,070

8,662

8,420

7,966

7,848

7,302

6,933

6,923

6,319

5,796

5,445

5,155

4,914

4,107

4,779

4,173

3,959

3,106

3,054

3,399

3,466

3,173

Noninterest income:
Customer service fees

-

-

-

201

-

-

-

182

-

242

224

225

225

253

204

212

210

221

225

218

228

252

231

227

216

216

200

198

200

187

141

109

110

112

117

Income from bank-owned life insurance

675

274

261

268

287

287

294

252

287

293

237

233

258

247

202

186

207

152

101

99

122

114

95

104

123

105

109

102

124

115

88

108

114

104

136

Net gain on sales of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-1

4

31

-

-

-

-

-

-

-

-

-

-

-

Net gain on sales of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

0

0

2,788

-

-

-

Bank owned life insurance death benefit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

150

Net gain on sales of loans

115

305

24

312

323

267

338

8

80

25

106

60

15

47

293

40

157

104

163

62

56

168

449

351

1,014

191

737

578

154

91

147

70

115

43

50

Loan level derivative income

-

126

1,032

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan servicing fee income

-

-

-

117

-

-

-

116

-

49

92

112

151

159

143

161

189

217

203

217

260

192

128

170

-

-

-

-

-

-

-

-

-

-

-

Net (loss) gain on investments held in Rabbi Trust

-

-

-

-24

-

-

-

45

-

-

-

-

-

-74

-

-

-

-31

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gain on trading securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,020

-1,267

580

Loan servicing fee income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

137

121

71

-

-

-

-

-

-

-

Vendor loss experience refund

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

100

-

-

-

-

-

-

-

-

Gain on sale of easement rights

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

208

-

-

-

-

-

-

-

-

Other income

-73

133

101

21

47

55

63

27

-7

71

46

30

-

-

106

158

125

129

167

128

141

164

1

123

333

30

12

15

-74

50

36

29

77

22

37

Other income

-

-

-

-

-

-

-

-

-

-

-

-

-

61

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total noninterest income

1,278

1,136

1,711

895

1,117

885

995

630

705

680

705

660

767

693

948

757

919

792

859

724

806

890

908

1,006

1,575

679

1,487

964

548

443

412

3,104

1,436

-986

1,070

Noninterest expense:
Salaries and employee benefits

5,373

5,071

5,022

4,861

4,841

5,244

4,789

4,659

4,353

4,445

4,359

4,600

4,532

4,357

4,377

4,344

4,118

4,313

4,026

4,124

4,085

3,871

3,720

3,531

3,683

3,279

3,188

3,155

2,748

2,555

2,437

2,397

2,376

1,611

1,583

Director compensation

99

254

227

195

335

361

356

303

185

305

247

234

269

151

215

277

326

173

229

304

195

257

196

241

193

113

116

107

-

-

-

-

-

-

-

Director fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

68

-

-

-

-

-

Trustee fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

91

68

73

70

94

Occupancy expense

244

242

236

264

224

242

232

266

250

250

240

251

255

262

264

293

256

259

267

278

266

238

218

229

215

207

196

183

183

188

172

209

180

169

182

Equipment expense

106

101

93

83

96

100

103

123

127

112

109

104

110

138

140

145

151

144

157

153

196

156

150

148

131

110

105

104

102

87

83

78

57

52

68

Deposit insurance

460

528

495

489

483

432

416

402

396

322

287

280

283

236

232

218

194

191

180

184

145

156

147

127

133

114

128

125

125

106

86

139

140

135

113

Data processing

631

687

729

735

731

674

694

694

680

679

879

882

792

789

772

755

704

751

727

751

739

717

662

659

681

531

511

390

500

248

282

195

125

335

150

Professional fees

308

212

283

261

266

220

270

288

284

259

187

234

205

155

177

212

182

184

169

230

307

216

195

211

305

200

213

318

330

182

179

127

194

157

151

Marketing

241

227

248

266

173

178

283

278

223

220

208

221

218

190

266

252

232

228

256

259

337

214

239

209

185

265

239

239

234

214

260

222

99

122

86

Recruitment fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

103

-

-

-

13

-

-

-

-

-

-

-

-

Other expense

547

504

463

531

487

478

502

463

549

474

468

446

507

451

545

440

492

413

495

390

630

533

513

438

428

528

465

463

226

346

326

286

212

220

311

Total noninterest expense

9,709

7,826

7,796

7,685

7,636

7,929

7,645

7,476

7,047

7,066

6,984

7,252

7,171

6,729

6,988

6,936

6,655

6,656

6,506

6,673

6,797

6,358

6,143

5,793

5,941

5,347

5,174

5,084

6,574

3,994

3,916

3,721

3,456

2,871

2,738

Income before income tax expense

6,547

8,528

8,292

8,074

7,491

6,600

6,591

5,586

5,431

5,198

4,687

4,090

3,339

3,034

2,622

2,241

2,230

1,984

1,655

984

932

851

561

658

789

246

420

659

-1,853

408

-398

2,437

1,379

-391

1,505

Income tax expense

1,944

2,300

2,224

2,064

5,382

2,001

2,579

1,920

2,121

2,018

1,735

1,551

1,270

1,166

1,019

867

862

782

614

304

287

313

200

242

304

63

134

212

-516

113

-210

908

473

-233

589

Net income

4,603

6,228

6,068

6,010

2,109

4,599

4,012

3,666

3,310

3,180

2,952

2,539

2,069

1,868

1,603

1,374

1,368

1,202

1,041

680

645

538

361

416

485

183

286

447

-1,337

295

-188

1,529

906

-158

916

Earnings per share
Basic

0.50

0.70

0.68

0.68

0.24

0.52

0.45

0.42

0.39

0.36

0.34

0.29

0.23

0.22

0.19

0.16

0.16

0.14

0.12

0.08

0.07

0.06

0.04

0.05

0.06

0.02

0.03

0.05

-

-

-

-

-

-

-

Diluted

0.49

0.66

0.65

0.64

0.22

0.50

0.43

0.40

0.37

0.35

0.33

0.28

0.23

0.21

0.18

0.16

0.15

0.14

0.12

0.08

0.07

0.06

0.04

0.05

0.06

0.02

0.03

0.05

-

-

-

-

-

-

-