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Beach Cities Commercial Bank, Income and Expense

2025-03-31 (YTD Data)Rank
Total interest income$2,267,0003,146
Total interest expense$1,080,0002,635
Net interest income$1,187,0003,428
Provision for loan and lease losses$02,775
Total noninterest income$280,0002,512
Gross Fiduciary activities income$0918
Service charges on deposit accounts$4,0004,066
Trading account gains and feesNANA
Additional Noninterest Income$276,0002,068
Total noninterest expense$1,709,0002,681
Salaries and employee benefits$1,134,0002,417
Premises and equipment expense$168,0002,582
Additional noninterest expense$276,0002,068
Pre-tax net operating income$-242,0004,363
Securities gains (losses)$0665
Applicable income taxes$03,151
Income before extraordinary items$-242,0004,340
Extraordinary gains, net$047
Net income$-242,0004,338
Minority interest net income$065
Net income of bank and minority interests.$-242,0004,340
Net charge-offs$02,299
Cash dividends$02,364
Sale, conversion, retirement of capital stock, net$99,000305
Net operating income$-242,0004,354
2024-12-31 (YTD Data)Rank
Total interest income$5,603,0003,634
Total interest expense$2,418,0003,265
Net interest income$3,185,0003,786
Provision for loan and lease losses$927,000978
Total noninterest income$149,0004,054
Gross Fiduciary activities income$01,000
Service charges on deposit accounts$1,0004,284
Trading account gains and feesNANA
Additional Noninterest Income$148,0003,741
Total noninterest expense$6,929,0002,637
Salaries and employee benefits$4,481,0002,409
Premises and equipment expense$691,0002,527
Additional noninterest expense$148,0003,741
Pre-tax net operating income$-4,522,0004,463
Securities gains (losses)$0940
Applicable income taxes$2,0003,248
Income before extraordinary items$-4,524,0004,443
Extraordinary gains, net$053
Net income$-4,524,0004,443
Minority interest net income$090
Net income of bank and minority interests.$-4,524,0004,443
Net charge-offs$03,072
Cash dividends$03,434
Sale, conversion, retirement of capital stock, net$369,000336
Net operating income$-4,524,0004,452
2024-09-30 (YTD Data)Rank
Total interest income$3,745,0003,744
Total interest expense$1,558,0003,419
Net interest income$2,187,0003,877
Provision for loan and lease losses$546,0001,030
Total noninterest income$16,0004,423
Gross Fiduciary activities income$0972
Service charges on deposit accounts$04,347
Trading account gains and feesNANA
Additional Noninterest Income$16,0004,295
Total noninterest expense$5,190,0002,611
Salaries and employee benefits$3,347,0002,395
Premises and equipment expense$521,0002,509
Additional noninterest expense$16,0004,298
Pre-tax net operating income$-3,533,0004,506
Securities gains (losses)$0930
Applicable income taxes$2,0003,243
Income before extraordinary items$-3,535,0004,487
Extraordinary gains, net$051
Net income$-3,535,0004,488
Minority interest net income$082
Net income of bank and minority interests.$-3,535,0004,488
Net charge-offs$02,823
Cash dividends$03,076
Sale, conversion, retirement of capital stock, net$264,000321
Net operating income$-3,535,0004,495
2024-06-30 (YTD Data)Rank
Total interest income$2,137,0003,888
Total interest expense$842,0003,606
Net interest income$1,295,0003,984
Provision for loan and lease losses$429,000913
Total noninterest income$9,0004,447
Gross Fiduciary activities income$0962
Service charges on deposit accounts$04,363
Trading account gains and feesNANA
Additional Noninterest Income$9,0004,319
Total noninterest expense$3,468,0002,592
Salaries and employee benefits$2,240,0002,389
Premises and equipment expense$346,0002,509
Additional noninterest expense$9,0004,336
Pre-tax net operating income$-2,593,0004,528
Securities gains (losses)$0628
Applicable income taxes$2,0003,239
Income before extraordinary items$-2,595,0004,511
Extraordinary gains, net$052
Net income$-2,595,0004,512
Minority interest net income$084
Net income of bank and minority interests.$-2,595,0004,513
Net charge-offs$02,587
Cash dividends$02,949
Sale, conversion, retirement of capital stock, net$217,000288
Net operating income$-2,595,0004,518
2024-03-31 (YTD Data)Rank
Total interest income$864,0004,048
Total interest expense$284,0003,889
Net interest income$580,0004,081
Provision for loan and lease losses$249,000755
Total noninterest income$5,0004,457
Gross Fiduciary activities income$0895
Service charges on deposit accounts$04,363
Trading account gains and feesNANA
Additional Noninterest Income$5,0004,322
Total noninterest expense$1,664,0002,647
Salaries and employee benefits$1,105,0002,408
Premises and equipment expense$171,0002,530
Additional noninterest expense$5,0004,358
Pre-tax net operating income$-1,328,0004,553
Securities gains (losses)$0689
Applicable income taxes$1,0003,158
Income before extraordinary items$-1,329,0004,534
Extraordinary gains, net$051
Net income$-1,329,0004,534
Minority interest net income$072
Net income of bank and minority interests.$-1,329,0004,534
Net charge-offs$02,217
Cash dividends$02,345
Sale, conversion, retirement of capital stock, net$109,000223
Net operating income$-1,329,0004,542
2023-12-31 (YTD Data)Rank
Total interest income$301,0004,535
Total interest expense$10,0004,487
Net interest income$22,323,0001,319
Provision for loan and lease lossesNANA
Total noninterest income$3,3114,522
Gross Fiduciary activities income$0981
Service charges on deposit accounts$04,423
Trading account gains and fees$0123
Additional Noninterest Income$1,3934,499
Total noninterest expenseNANA
Salaries and employee benefitsNANA
Premises and equipment expense$1,0004,526
Additional noninterest expense$3,8894,489
Pre-tax net operating income$04,317
Securities gains (losses)$0988
Applicable income taxes$03,369
Income before extraordinary items$1,0004,351
Extraordinary gains, net$59,290,0003
Net income$-4,360,0004,545
Minority interest net income$088
Net income of bank and minority interests.$04,314
Net charge-offs$02,884
Cash dividends$-144,0004,590
Sale, conversion, retirement of capital stock, net$0540
Net operating income$04,337
2023-09-30 (YTD Data)Rank
Total interest income$527,0004,523
Total interest expense$144,0004,366
Net interest income$383,0004,563
Provision for loan and lease losses$116,0002,047
Total noninterest income$04,597
Gross Fiduciary activities income$0950
Service charges on deposit accounts$04,443
Trading account gains and feesNANA
Additional Noninterest Income$04,497
Total noninterest expense$3,859,0002,987
Salaries and employee benefits$1,288,0003,622
Premises and equipment expense$239,0003,537
Additional noninterest expense$04,533
Pre-tax net operating income$-3,592,0004,565
Securities gains (losses)$0849
Applicable income taxes$03,407
Income before extraordinary items$-3,592,0004,583
Extraordinary gains, net$052
Net income$-3,592,0004,582
Minority interest net income$081
Net income of bank and minority interests.$-3,592,0004,583
Net charge-offs$02,641
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$114,000371
Net operating income$-3,592,0004,587
2023-06-30 (YTD Data)Rank
Total interest income$80,0004,605
Total interest expense$5,0004,582
Net interest income$75,0004,626
Provision for loan and lease losses$02,940
Total noninterest income$04,625
Gross Fiduciary activities income$0931
Service charges on deposit accounts$04,471
Trading account gains and feesNANA
Additional Noninterest Income$04,562
Total noninterest expense$2,180,0003,213
Salaries and employee benefits$233,0004,469
Premises and equipment expense$349,0002,485
Additional noninterest expense$04,565
Pre-tax net operating income$-2,105,0004,592
Securities gains (losses)$0938
Applicable income taxes$03,436
Income before extraordinary items$-2,105,0004,614
Extraordinary gains, net$051
Net income$-2,105,0004,612
Minority interest net income$081
Net income of bank and minority interests.$-2,105,0004,613
Net charge-offs$02,431
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$0486
Net operating income$-2,105,0004,617

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.