BCB Bancorp, Inc. (BCBP)

BCB Bancorp Income Statement

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

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	175.78	169.56	123.58	107.66	107.15	113.98
Interest Income on Investments	21.72	18.8	7.86	4.91	6.27	9.57
Total Interest Income	197.5	188.36	131.44	112.57	113.43	123.56
Interest Paid on Deposits	74.64	56.69	12.62	11	25.95	33.07
Interest Paid on Borrowings	26.48	27.61	4.88	4.18	7.07	7.88
Total Interest Expense	101.12	84.3	17.5	15.18	33.02	40.95
Net Interest Income	96.38	104.06	113.95	97.39	80.41	82.6
Net Interest Income Growth (YoY)	-16.62%	-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	0.44	-3.36	-6.27	0.15	2.75	0.46
Other Non-Interest Income	7.77	7.34	7.74	7.56	4.48	3.61
Total Non-Interest Income	3.51	4.09	1.6	8.7	12.49	5.39
Non-Interest Income Growth (YoY)	78.85%	156.30%	-81.66%	-30.38%	131.68%	-9.55%
Revenues Before Loan Losses	99.89	108.15	115.54	106.09	92.9	88
Provision for Loan Losses	8.66	6.1	-3.08	3.86	9.44	2.07
Revenue	91.24	102.05	118.62	102.23	83.46	85.93
Revenue Growth (YoY)	-21.40%	-13.97%	16.02%	22.49%	-2.87%	9.44%
Salaries and Employee Benefits	28.88	30.23	26.89	25.99	24.72	27.47
Federal Deposit Insurance	4.35	3.59	1.24	1.31	1.34	0.91
Selling, General & Administrative	17.29	17.37	17.89	9.96	15.29	11.33
Other Non-Interest Expense	4.58	3.7	3.61	3.72	3.94	8.55
Total Non-Interest Expense	60.86	60.59	55.51	52.38	52.89	55.58
EBT Excluding Unusual Items	30.38	41.46	63.11	49.86	30.57	30.34
Other Unusual Items	-	-	-	-1.6	-1.15	-
Pretax Income	30.38	41.46	63.11	48.26	29.42	30.34
Income Tax Expense	8.92	11.97	17.53	14.02	8.57	9.31
Earnings From Continuing Operations	21.46	29.48	45.58	34.24	20.86	21.03
Net Income to Common	20.22	28.78	44.78	33.08	19.56	19.69
Basic Shares Outstanding	17	17	17	17	17	16
Diluted Shares Outstanding	17	17	17	17	17	16
Shares Change (YoY)	-1.10%	-2.40%	0.64%	0.08%	4.89%	4.87%
EPS (Basic)	1.20	1.71	2.64	1.94	1.14	1.20
EPS (Diluted)	1.20	1.70	2.58	1.92	1.14	1.20
EPS Growth	-50.49%	-34.11%	34.38%	68.96%	-5.30%	18.81%
Effective Tax Rate	29.37%	28.88%	27.78%	29.05%	29.11%	30.68%
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%

Source: S&P Capital IQ. Banks template.