Financial insights of BCML

MyFinsight

For the quarter ending 2025-09-30, BCML made $64,714K in revenue. $5,007K in net income. Net profit margin of 7.74%.

Income Overview

Revenue
$64,714K
Net Income
$5,007K
Net Profit Margin
7.74%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Loans, including fees	29,220	27,962	26,232	25,014
Investment securities	2,315	2,406	2,393	2,181
Fed funds sold and interest-bearing balances in banks	3,017	2,693	4,414	4,819
Interest expense	-	-	10,561	10,111
Fhlb dividends	253	248	243	247
Frb dividends	145	144	144	145
Total interest and dividend income	34,950	33,453	33,426	32,406
Deposits	9,777	9,209	9,448	9,002
Subordinated debt	1,571	892	892	891
Junior subordinated deferrable interest debentures	193	192	221	218
Total interest expense	11,541	10,293	-	-
Net interest income	23,409	23,160	22,865	22,295
Provision for credit losses	2,973	203	1,245	171
Net interest income after provision for credit losses	20,436	22,957	21,620	22,124
Gain on equity securities	771	7	1,420	-321
Gain on sale of loans	-	54	-	287
Service charges and other fees-Bank Servicing And Other	825	913	-	-
Loan servicing and other loan fees	403	516	324	441
Revenue from contract with customer, excluding assessed tax	-	-	898	734
Loss on investment in small business investment company ('sbic') fund	-29	-227	-253	71
Other income and fees	278	250	356	271
Total noninterest income	2,248	1,513	2,745	1,483
Salaries and employee benefits	10,168	9,728	9,569	9,642
Occupancy and equipment	2,143	2,183	2,209	2,133
Data processing	2,038	1,913	1,973	1,650
Other expense	1,597	1,930	2,323	2,587
Total noninterest expense	15,946	15,754	16,074	16,012
Income before provision for income taxes	6,738	8,716	8,291	7,595
Provision for income taxes	1,731	2,352	2,274	1,995
Net income	5,007	6,364	6,017	5,600

Earnings per share, basic	0.46	0.58	0.54	0.5
Earnings per share, diluted	0.46	0.58	0.54	0.5
Weighted average number of shares outstanding, basic	10,929,779	11,002,967	11,148,482	11,254,233
Weighted average number of shares outstanding, diluted	10,929,779	11,002,967	11,148,482	11,254,233

MyFinsight

Income Overview

Revenue
$64,714K
Net Income
$5,007K
Net Profit Margin
7.74%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$64,714K
Net Income
$5,007K
Net Profit Margin
7.74%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$64,714KNet Income$5,007KNet Profit Margin7.74%EPS$0.46Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesSalaries and employee benefitsDepositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$64,714KNet Income$5,007KNet Profit Margin7.74%EPS$0.46Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesSalaries and employee benefitsDepositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$64,714K
Net Income
$5,007K
Net Profit Margin
7.74%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others

Revenue
$64,714K
Net Income
$5,007K
Net Profit Margin
7.74%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others