BCB Bancorp, Inc. (BCBP)

BCB Bancorp Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	174.51	169.56	123.58	107.66	107.15	113.98
Interest Income on Investments	22.55	18.8	7.86	4.91	6.27	9.57
Total Interest Income	197.06	188.36	131.44	112.57	113.43	123.56
Interest Paid on Deposits	78.48	56.69	12.62	11	25.95	33.07
Interest Paid on Borrowings	24.83	27.61	4.88	4.18	7.07	7.88
Total Interest Expense	103.31	84.3	17.5	15.18	33.02	40.95
Net Interest Income	93.75	104.06	113.95	97.39	80.41	82.6
Net Interest Income Growth (YoY)	-15.02%	-8.67%	17.00%	21.12%	-2.66%	6.34%
Gain (Loss) on Sale of Assets	-	-	-	0.37	4.38	-
Gain (Loss) on Sale of Investments	2.07	-3.36	-6.27	0.15	2.75	0.46
Other Non-Interest Income	7.84	7.34	7.74	7.56	4.48	3.61
Total Non-Interest Income	5.23	4.09	1.6	8.7	12.49	5.39
Non-Interest Income Growth (YoY)	172.11%	156.30%	-81.66%	-30.38%	131.68%	-9.55%
Revenues Before Loan Losses	98.98	108.15	115.54	106.09	92.9	88
Provision for Loan Losses	9.34	6.1	-3.08	3.86	9.44	2.07
Revenue	89.64	102.05	118.62	102.23	83.46	85.93
Revenue Growth (YoY)	-17.44%	-13.97%	16.02%	22.49%	-2.87%	9.44%
Salaries and Employee Benefits	28.27	30.23	26.89	25.99	24.72	27.47
Occupancy Expenses	5.71	5.69	5.87	11.36	7.49	7.25
Federal Deposit Insurance	3.9	3.59	1.24	1.31	1.34	0.91
Selling, General & Administrative	17.42	17.37	17.89	9.96	15.29	11.33
Other Non-Interest Expense	4.02	3.7	3.61	3.72	3.94	8.55
Total Non-Interest Expense	59.32	60.59	55.51	52.38	52.89	55.58
EBT Excluding Unusual Items	30.31	41.46	63.11	49.86	30.57	30.34
Other Unusual Items	-	-	-	-1.6	-1.15	-
Pretax Income	30.31	41.46	63.11	48.26	29.42	30.34
Income Tax Expense	8.9	11.97	17.53	14.02	8.57	9.31
Net Income	21.41	29.48	45.58	34.24	20.86	21.03
Preferred Dividends & Other Adjustments	1.54	0.7	0.8	1.16	1.3	1.35
Net Income to Common	19.87	28.78	44.78	33.08	19.56	19.69
Net Income Growth	-39.67%	-35.31%	33.12%	64.17%	-0.84%	25.48%
Basic Shares Outstanding	17	17	17	17	17	16
Diluted Shares Outstanding	17	17	17	17	17	16
Shares Change (YoY)	-0.43%	-2.40%	0.64%	0.08%	4.89%	4.87%
EPS (Basic)	1.17	1.71	2.64	1.94	1.14	1.20
EPS (Diluted)	1.17	1.70	2.58	1.92	1.14	1.20
EPS Growth	-42.79%	-34.11%	34.38%	68.96%	-5.30%	18.81%
Dividend Per Share	0.640	0.640	0.640	0.600	0.560	0.560
Dividend Growth	0%	0%	6.67%	7.14%	0%	0%
Effective Tax Rate	29.36%	28.88%	27.78%	29.05%	29.11%	30.68%

Source: S&P Capital IQ. Banks template. Financial Sources.