BCB Bancorp, Inc. (FRA:41Y)

BCB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	161.87	172.05	169.56	123.58	107.66	107.15
Interest Income on Investments	20.79	21.96	18.8	7.86	4.91	6.27
Total Interest Income	182.65	194.01	188.36	131.44	112.57	113.43
Interest Paid on Deposits	69.04	78.22	56.69	12.62	11	25.95
Interest Paid on Borrowings	23.26	23.77	27.61	4.88	4.18	7.07
Total Interest Expense	92.31	101.99	84.3	17.5	15.18	33.02
Net Interest Income	90.35	92.02	104.06	113.95	97.39	80.41
Net Interest Income Growth (YoY)	-6.26%	-11.57%	-8.67%	16.99%	21.12%	-2.66%
Gain (Loss) on Sale of Assets	-	-	-	-	0.37	4.38
Gain (Loss) on Sale of Investments	0.25	0.38	-3.36	-6.27	0.15	2.75
Other Non-Interest Income	8.2	7.89	7.34	7.74	7.56	4.48
Total Non-Interest Income	7.93	2.94	4.09	1.6	8.7	12.49
Non-Interest Income Growth (YoY)	126.05%	-28.08%	156.30%	-81.66%	-30.38%	131.68%
Revenues Before Loan Losses	98.28	94.96	108.15	115.54	106.09	92.9
Provision for Loan Losses	32.78	11.57	6.1	-3.08	3.86	9.44
Revenue	65.5	83.39	102.05	118.62	102.23	83.46
Revenue Growth (YoY)	-28.21%	-18.28%	-13.97%	16.02%	22.50%	-2.87%
Salaries and Employee Benefits	28.61	27.46	30.23	26.89	25.99	24.72
Occupancy Expenses	5.61	5.56	5.69	10.63	11.36	7.49
Federal Deposit Insurance	2.95	3.53	3.59	1.24	1.31	1.34
Selling, General & Administrative	17.6	16.85	17.37	13.13	9.96	15.29
Other Non-Interest Expense	3.46	3.73	3.7	3.61	3.72	3.94
Total Non-Interest Expense	58.22	57.12	60.59	55.51	52.38	52.89
EBT Excluding Unusual Items	7.27	26.27	41.46	63.11	49.86	30.57
Other Unusual Items	-	-	-	-	-1.6	-1.15
Pretax Income	7.27	26.27	41.46	63.11	48.26	29.42
Income Tax Expense	2.09	7.65	11.97	17.53	14.02	8.57
Net Income	5.18	18.62	29.48	45.58	34.24	20.86
Preferred Dividends & Other Adjustments	1.91	1.83	0.7	0.8	1.16	1.3
Net Income to Common	3.27	16.79	28.78	44.78	33.08	19.56
Net Income Growth	-75.86%	-36.84%	-35.32%	33.12%	64.17%	-0.84%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change (YoY)	1.15%	0.51%	-2.40%	0.64%	0.07%	4.89%
EPS (Basic)	0.19	0.99	1.71	2.64	1.94	1.14
EPS (Diluted)	0.19	0.99	1.70	2.58	1.92	1.14
EPS Growth	-84.02%	-41.92%	-34.11%	34.38%	68.96%	-5.30%
Dividend Per Share	0.640	0.640	0.640	0.640	0.600	0.560
Dividend Growth	-	-	-	6.67%	7.14%	-
Effective Tax Rate	28.79%	29.11%	28.88%	27.78%	29.05%	29.11%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.