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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	157.29	172.05	169.56	123.58	107.66	107.15
Interest Income on Investments	19.78	21.96	18.8	7.86	4.91	6.27
Total Interest Income	177.07	194.01	188.36	131.44	112.57	113.43
Interest Paid on Deposits	64.83	78.22	56.69	12.62	11	25.95
Interest Paid on Borrowings	21.23	23.77	27.61	4.88	4.18	7.07
Total Interest Expense	86.06	101.99	84.3	17.5	15.18	33.02
Net Interest Income	91.01	92.02	104.06	113.95	97.39	80.41
Net Interest Income Growth (YoY)	-2.92%	-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	-0.53	0.38	-3.36	-6.27	0.15	2.75
Other Non-Interest Income	8.62	7.89	7.34	7.74	7.56	4.48
Total Non-Interest Income	7.55	2.94	4.09	1.6	8.7	12.49
Non-Interest Income Growth (YoY)	44.36%	-28.08%	156.30%	-81.66%	-30.38%	131.68%
Revenues Before Loan Losses	98.56	94.96	108.15	115.54	106.09	92.9
Provision for Loan Losses	33.97	11.57	6.1	-3.08	3.86	9.44
Revenue	64.59	83.39	102.05	118.62	102.23	83.46
Revenue Growth (YoY)	-27.94%	-18.28%	-13.97%	16.02%	22.50%	-2.87%
Salaries and Employee Benefits	29.64	27.46	30.23	26.89	25.99	24.72
Occupancy Expenses	5.42	5.56	5.69	10.63	11.36	7.49
Federal Deposit Insurance	3.27	3.53	3.59	1.24	1.31	1.34
Selling, General & Administrative	18.52	16.85	17.37	13.13	9.96	15.29
Other Non-Interest Expense	4.03	3.73	3.7	3.61	3.72	3.94
Total Non-Interest Expense	60.87	57.12	60.59	55.51	52.38	52.89
EBT Excluding Unusual Items	3.73	26.27	41.46	63.11	49.86	30.57
Other Unusual Items	-	-	-	-	-1.6	-1.15
Pretax Income	3.73	26.27	41.46	63.11	48.26	29.42
Income Tax Expense	0.95	7.65	11.97	17.53	14.02	8.57
Net Income	2.77	18.62	29.48	45.58	34.24	20.86
Preferred Dividends & Other Adjustments	1.92	1.83	0.7	0.8	1.16	1.3
Net Income to Common	0.85	16.79	28.78	44.78	33.08	19.56
Net Income Growth	-87.04%	-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)	1.09%	0.51%	-2.40%	0.64%	0.07%	4.89%
EPS (Basic)	0.05	0.99	1.71	2.64	1.94	1.14
EPS (Diluted)	0.05	0.99	1.70	2.58	1.92	1.14
EPS Growth	-95.74%	-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	25.57%	29.11%	28.88%	27.78%	29.05%	29.11%

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