BCB Community Bank in Bayonne, New Jersey (NJ)



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BCB Community Bank routing number info

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BCB Community Bank
GeneralFDIC Certificate #: 35541
Status: Active
Federal Reserve ID: 2954059
Bank Holding Company (Regulatory Top Holder): Bcb Bancorp, Inc. (RSSDID: 3170539, Location: Bayonne, NJ)
Date Established: November 01, 2000
WWW: http://www.bcbbancorp.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
FDIC's unique #: 81650
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: November 01, 2000
Last Structure Change Effective Date: January 01, 2012
Last Structure Change Process Date: March 14, 2012
Last Data Update: March 14, 2012
Data Source Date: April 05, 2012
LocationAddress: 860 Broadway, Bayonne, NJ 7002
County: Hudson
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Jamesburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Jersey City, NJ (#3640)
Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
Financial SummaryTotal assets: $1,216.8 mil
Equity capital: $104.1 mil
Deposits held in domestic offices: $977.7 mil
Return on assets (ROA): 0.56% ($6.8 mil)
Quarterly return on assets: 0.38% ($4.6 mil)
Return on Equity (ROE): 6.06% ($6.3 mil)
Quarterly return on equity: 4.18% ($4.3 mil)
Net income: $6.3 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 0.85% ($10,343.2 mil)
Quarterly Pretax return on assets: 0.32% ($3,893.9 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)225
Total assets$1,216,842
Cash and due from depository institutions$117,182
Interest-bearing balances$108,457
Securities$208,010
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$846,619
Loan loss allowance $7,426
Trading account assets$0
Bank premises and fixed assets$13,576
Other real estate owned$6,570
Goodwill and other intangibles$0
All other assets$24,885
Life insurance assets$1,216,842
Total liabilities and capital$1,112,753
Total liabilities$977,673
Total deposits$899,060
Interest-bearing deposits$977,673
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$125,407
Other borrowed funds $0
Subordinated debt $9,673
All other liabilities $104,089
Total equity capital$104,089
Total bank equity capital$104,089
Perpetual preferred stock$0
Common stock$10,969
Surplus$74,400
Undivided profits $18,720
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $5,856
Income earned, not collected on loans $46,238
Earning assets $0
Long-term assets (5+ years) $4,998
Average Assets, year-to-date $1,163,086
Average Assets, quarterly $832,787
Volatile liabilities $1,120,339
Insider loans $1,148,011
FHLB advances $686,991
Loans and leases held for sale $1,216,156
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $105,376
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $37,732
Derivatives$5,869
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $52,788
Total interest expense $13,177
Net interest income $39,611
Provision for loan and lease losses $4,100
Total noninterest income $2,184
Fiduciary activities $0
Service charges on deposit accounts $620
Trading account gains & fees $0
Additional noninterest income $1,564
Total noninterest expense $28,188
Salaries and employee benefits $12,680
Premises and equipment expense $3,918
Additional noninterest expense $11,590
Pre-tax net operating income $9,507
Securities gains (losses) $18
Applicable income taxes $3,275
Income before extraordinary items $6,250
Extraordinary gains - net $0
Net income attributable to bank $6,250
Net charge-offs $0
Cash dividends $6,250
Sale, conversion, retirement of capital stock, net $3,165
Net operating income $9,610
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.98%
Cost of funding earning assets 1.24%
Net interest margin 3.73%
Noninterest income to earning assets 0.21%
Noninterest expense to earning assets 2.66%
Net operating income to assets 0.56%
Return on assets (ROA) 0.56%
Pretax return on assets 0.85%
Return on equity (ROE) 6.06%
Retained earnings to average equity (YTD only) -3.26%
Net charge-offs to loans 0.40%
Credit loss provision to net charge-offs 129.54%
Efficiency ratio4.30%
Assets per employee$67,443
Cash dividends to net income (YTD only)5.41%
Condition Ratios (%)
Loss allowance to loans 153.76%
Loss allowance to noncurrent loans 0.87%
Noncurrent assets plus other real estate owned to assets 16.06%
Noncurrent loans to loans 4.34%
Net loans and leases to deposits5.41%
Net loans and leases to core deposits 86.60%
Equity capital to assets 96.48%
Core capital (leverage) ratio 8.55%
Tier 1 risk-based capital ratio 8.66%
Total risk-based capital ratio 15.34%
Memoranda
Average assets$16
Average earning assets$1,120,339
Average equity $103,113
Average loans $1,060,927
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11 New Jersey Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
081650Bcb Community Bank860 Broadway, Bayonne, NJ 7002November 01, 2000Full Service Brick and Mortar
1418988510 Broadway Branch510 Broadway, Bayonne, NJ 7002May 20, 2003Full Service Brick and Mortar
2423343104-110 Avenue C Branch104-110 Avenue C, Bayonne, NJ 7002November 06, 2003Full Service Brick and Mortar
443413Pamrapo Savings Bank, Sla Branch611 Avenue C, Bayonne, NJ 7002January 01, 1887Full Service Brick and Mortar
7281011987 Broadway Branch987 Broadway, Bayonne, NJ 7002January 01, 1887Full Service Brick and Mortar
944366Elysian Branch401-403 Washington St, Hoboken, NJ 7030January 01, 1927Full Service Brick and Mortar
11464406473 Spotswood/Englishtown Rd473 Spotswood/Englishtown Rd, Monroe Township, NJ 8831September 01, 1998Full Service Brick and Mortar
12464407181 Avenue A181 Avenue A, Bayonne, NJ 7002November 13, 2004Full Service Brick and Mortar
13464410211 Washington Street211 Washington Street, Jersey City, NJ 7302June 13, 2006Full Service Brick and Mortar
1477229Alliance Community Bank Branch200 Valley Street, South Orange, NJ 7079May 15, 2000Full Service Brick and Mortar
15468123Woodbridge Branch34 Main Street, Woodbridge, NJ 7095July 16, 2007Full Service Brick and Mortar
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