BCB Community Bank in Bayonne, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


BCB Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 225Total employees (full-time equivalent)
  • $1,216,842Total assets
  • $117,182Cash and due from depository institutions
  • $108,457Interest-bearing balances
  • $208,010Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $846,619Net loans & leases
  • $7,426Loan loss allowance
  • $0Trading account assets
  • $13,576Bank premises and fixed assets
  • $6,570Other real estate owned
  • $0Goodwill and other intangibles
  • $1,216,842Life insurance assets
  • $24,885All other assets
  • $1,112,753Total liabilities and capital
  • $977,673Total liabilities
  • $899,060Total deposits
  • $977,673Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $125,407Trading liabilities
  • $0Other borrowed funds
  • $9,673Subordinated debt
  • $104,089All other liabilities
  • $104,089Total equity capital
  • $104,089Total bank equity capital
  • $0Perpetual preferred stock
  • $10,969Common stock
  • $74,400Surplus
  • $18,720Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,856Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $46,238Income earned, not collected on loans
  • $0Earning assets
  • $4,998Long-term assets (5+ years)
  • $1,163,086Average Assets, year-to-date
  • $832,787Average Assets, quarterly
  • $1,120,339Volatile liabilities
  • $1,148,011Insider loans
  • $686,991FHLB advances
  • $1,216,156Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $105,376Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $37,732Restructured Loans and leases
  • $5,869Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $52,788Total interest income
  • $13,177Total interest expense
  • $39,611Net interest income
  • $4,100Provision for loan and lease losses
  • $2,184Total noninterest income
  • $0Fiduciary activities
  • $620Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,564Additional noninterest income
  • $28,188Total noninterest expense
  • $12,680Salaries and employee benefits
  • $3,918Premises and equipment expense
  • $11,590Additional noninterest expense
  • $9,507Pre-tax net operating income
  • $18Securities gains (losses)
  • $3,275Applicable income taxes
  • $6,250Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,250Net income attributable to bank
  • $0Net charge-offs
  • $6,250Cash dividends
  • $3,165Sale, conversion, retirement of capital stock, net
  • $9,610Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.66%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 6.06%Return on equity (ROE)
  • -3.26%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 129.54%Credit loss provision to net charge-offs
  • 4.30%Efficiency ratio
  • 67,443Assets per employee
  • 5.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 153.76%Loss allowance to loans
  • 0.87%Loss allowance to noncurrent loans
  • 16.06%Noncurrent assets plus other real estate owned to assets
  • 4.34%Noncurrent loans to loans
  • 5.41%Net loans and leases to deposits
  • 86.60%Net loans and leases to core deposits
  • 96.48%Equity capital to assets
  • 8.55%Core capital (leverage) ratio
  • 8.66%Tier 1 risk-based capital ratio
  • 15.34%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $1,120,339Average earning assets
  • $103,113Average equity
  • $1,060,927Average loans

List of branches

  • 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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