For the year ending 2025-12-31, BCBP had -$40,698K decrease in cash & cash equivalents over the period. $34,872K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Total income | 11,422 |
| Interest expense, borrowed money | 4,268 |
| Other | 381 |
| Total expense | 4,649 |
| Income before income tax benefit and equity in undistributed earnings of subsidiaries | 6,773 |
| Income tax benefit | -1,346 |
| Income before equity in undistributed earnings of subsidiaries | 8,119 |
| Equity in undistributed earnings of subsidiaries | -20,646 |
| Net (loss) income | -12,527 |
| Depreciation of premises and equipment | 1,560 |
| Amortization and accretion, net | -592 |
| Provision for credit losses | 42,011 |
| Deferred income tax (benefit) expense | -5,942 |
| Loans originated for sale | 1,693 |
| Proceeds from sale of loans | 1,722 |
| Gain (loss) on sales of loans | 29 |
| Oreo valuation allowance | -15,077 |
| Realized and unrealized loss (gain) on equity investments | -300 |
| Increase in cash surrender value of boli | 3,326 |
| Stock-based compensation expense | 1,016 |
| Net change in accrued interest receivable | -1,342 |
| Net change in other assets | 2,459 |
| Net change in accrued interest payable | -1,139 |
| Net change in other liabilities | 598 |
| Net cash provided by operating activities | 35,919 |
| Proceeds from repayments, calls, and maturities on securities | 41,242 |
| Purchases of securities | 62,333 |
| Net decrease (increase) in loans receivable | -244,423 |
| Additions to premises and equipment | 1,047 |
| Redemption (purchase) of federal home loan bank of new york stock | -10,096 |
| Net cash provided by (used in) investing activities | 232,381 |
| Net (decrease) increase in deposits | -77,285 |
| Repayments federal home loan bank of new york long term advances | 220,800 |
| Cash dividends paid on common stock | 10,625 |
| Cash dividends paid on preferred stock | 1,928 |
| Net proceeds from issuance of common stock | 1,120 |
| Net proceeds from issuance of preferred stock | 520 |
| Net cash (used in) provided by financing activities | -308,998 |
| Net (decrease) increase in cash and cash equivalents | -40,698 |
| Cash and cash equivalents-beginning | 317,282 |
| Cash and cash equivalents-ending | 276,584 |
BCB BANCORP INC (BCBP)
BCB BANCORP INC (BCBP)