BCB Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	154.2	172.05	169.56	123.58	107.66
Interest Income on Investments	18.76	21.96	18.8	7.86	4.91
Total Interest Income	172.96	194.01	188.36	131.44	112.57
Interest Paid on Deposits	61.12	78.22	56.69	12.62	11
Interest Paid on Borrowings	18.8	23.77	27.61	4.88	4.18
Total Interest Expense	79.92	101.99	84.3	17.5	15.18
Net Interest Income	93.04	92.02	104.06	113.95	97.39
Net Interest Income Growth (YoY)	1.11%	-11.57%	-8.67%	16.99%	21.12%
Gain (Loss) on Sale of Assets	-	-	-	-	0.37
Gain (Loss) on Sale of Investments	-0.3	0.38	-3.36	-6.27	0.15
Other Non-Interest Income	8.83	7.89	7.34	7.74	7.56
Total Non-Interest Income	8.56	2.94	4.09	1.6	8.7
Non-Interest Income Growth (YoY)	190.99%	-28.08%	156.30%	-81.66%	-30.38%
Revenues Before Loan Losses	101.6	94.96	108.15	115.54	106.09
Provision for Loan Losses	42.01	11.57	6.1	-3.08	3.86
Revenue	59.59	83.39	102.05	118.62	102.23
Revenue Growth (YoY)	-28.55%	-18.28%	-13.97%	16.02%	22.50%
Salaries and Employee Benefits	31.4	27.46	30.23	26.89	25.99
Occupancy Expenses	10.4	5.56	5.69	10.63	11.36
Federal Deposit Insurance	3.29	3.53	3.59	1.24	1.31
Selling, General & Administrative	13.49	16.85	17.37	13.13	9.96
Other Non-Interest Expense	4.23	3.73	3.7	3.61	3.72
Total Non-Interest Expense	77.88	57.12	60.59	55.51	52.38
EBT Excluding Unusual Items	-18.3	26.27	41.46	63.11	49.86
Other Unusual Items	-	-	-	-	-1.6
Pretax Income	-18.3	26.27	41.46	63.11	48.26
Income Tax Expense	-5.77	7.65	11.97	17.53	14.02
Net Income	-12.53	18.62	29.48	45.58	34.24
Preferred Dividends & Other Adjustments	1.93	1.83	0.7	0.8	1.16
Net Income to Common	-14.46	16.79	28.78	44.78	33.08
Net Income Growth	-	-36.84%	-35.32%	33.12%	64.17%
Basic Shares Outstanding	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17
Shares Change (YoY)	0.99%	0.51%	-2.40%	0.64%	0.07%
EPS (Basic)	-0.84	0.99	1.71	2.64	1.94
EPS (Diluted)	-0.84	0.99	1.70	2.58	1.92
EPS Growth	-	-41.92%	-34.11%	34.38%	68.96%
Dividend Per Share	0.560	0.640	0.640	0.640	0.600
Dividend Growth	-12.50%	-	-	6.67%	7.14%
Effective Tax Rate	-	29.11%	28.88%	27.78%	29.05%

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