BCB Bancorp Q4 net income $3.3M ($0.16 EPS), down 46% from Q3; credit costs surge

BCB BANCORP INC

2024-FY EPS reported $0.99

Net income $3.3M vs $6.7M Q3 and $6.1M Q4 2023; diluted EPS $0.16 vs $0.36 and $0.35.
Provision for credit losses $4.2M, up from $2.9M Q3 and $1.9M Q4 2023; net charge-offs $4.1M vs $233K.
Non-accrual loans jumped to $44.7M (1.48% of loans) from $18.8M (0.57%) a year ago.
Net interest margin narrowed to 2.53% from 2.57%; loans declined 8.6% YoY.
Board declared $0.16/share quarterly dividend, payable Feb 24, 2025 to holders of record Feb 7.

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