For the quarter ending 2025-09-30, BCBP had $42,762K increase in cash & cash equivalents over the period. $8,455K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net (loss) income | 4,262 | -4,760 |
| Depreciation of premises and equipment | 394 | 763 |
| Amortization and accretion, net | -79 | -306 |
| Provision for credit losses on loans | 4,080 | 25,736 |
| Deferred income tax (benefit) expense | -167 | -4,942 |
| Loans originated for sale | 265 | 848 |
| Proceeds from sales of loans | 1,134 | - |
| Loss (gain) on sales of loans | 21 | - |
| Realized and unrealized (gains) losses on equity investments | 350 | -223 |
| Stock-based compensation expense | 229 | 551 |
| Increase in cash surrender value of boli | 931 | 1,394 |
| Net change in accrued interest receivable | -47 | 671 |
| Net change in other assets | -827 | -1,873 |
| Net change in accrued interest payable | -1,192 | -947 |
| Net change in other liabilities | 767 | 64 |
| Net cash provided by operating activities | 8,735 | 15,342 |
| Proceeds from repayments, calls, and maturities on securities available for sale | 16,602 | 9,853 |
| Purchases of securities | 0 | 37,402 |
| Net decrease (increase) in loans receivable | -47,287 | -111,159 |
| Additions to premises and equipment | 280 | 447 |
| Redemption (purchase) of federal home loan bank of new york stock | -2,481 | -5,510 |
| Net cash provided by (used in) investing activities | 66,090 | 88,673 |
| Net (decrease) increase in deposits | 25,853 | -89,324 |
| Repayment from federal home loan bank of new york long term advances | 25,000 | 150,000 |
| Cash dividends paid on common stock | 2,635 | 5,347 |
| Cash dividends paid on preferred stock | 482 | 964 |
| Net change in federal home loan bank of new york short term advances | - | 30,000 |
| Net proceeds from issuance of common stock | 201 | 670 |
| Net proceeds from issuance of preferred stock | 0 | 520 |
| Net cash (used in) provided by financing activities | -32,063 | -214,445 |
| Net (decrease) increase in cash and cash equivalents | 42,762 | -110,430 |
| Cash and cash equivalents at beginning of period | 317,282 | - |
| Cash and cash equivalents at end of period | 249,614 | - |
BCB BANCORP INC (BCBP)
BCB BANCORP INC (BCBP)