Financial insights of BCBP

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	154,199
Mortgage-backed securities	2,941
Other investment securities	4,053
Fhlb stock dividends and other interest-earning assets	11,766
Total interest and dividend income	172,959
Demand	21,806
Savings and club	814
Certificates of deposit	38,502
Total deposits	61,122
Borrowings	18,796
Total interest expense	79,918
Net interest income	93,041
Provision for credit losses	42,011
Net interest income after provision for credit losses	51,030
Fees and service charges	4,962
Boli income	3,326
(loss) gain on sales of loans	29
Realized and unrealized (loss) gain on equity investments	-300
Other	538
Total non-interest income	8,555
Salaries and employee benefits	31,400
Occupancy and equipment	10,404
Data processing service fees	7,919
Professional fees	3,093
Director fees	1,351
Regulatory assessments	3,287
Advertising and promotional	1,125
Other real estate owned, net	15,077
Other	4,227
Total non-interest expense	77,883
(loss) income before income tax (benefit) provision	-18,298
Income tax (benefit) provision	-5,771
Net (loss) income	-12,527
Preferred stock dividends	1,929
Net (loss) income available to common stockholders	-14,456

Basic EPS	-0.84
Diluted EPS	-0.84
Basic Average Shares	17,186,000
Diluted Average Shares	17,186,000