$ORPB Oregon Pacific Bank Announces Third Quarter Earnings Results
Press Release | 10/21/2021
Oregon Pacific Bancorp (ORPB), the holding company of Oregon Pacific Bank, today reported financial results for the third quarter ended September 30, 2021.

Third quarter highlights:

Net income of $2.04 million; $0.29 per diluted share.
Non-PPP loan growth of $25.8 million.
Issued $15 million in aggregate principal amount of fixed-to-floating rate subordinated notes.
$13.5 million capital investment in Oregon Pacific Bancorp, increasing Tier 1 leverage to 9.70%.
Net income for the third quarter was $2.0 million, or $0.29 per diluted share compared to $803 thousand, or $0.11 per diluted share for the quarter ended September 30, 2020. Third quarter net income continued to be elevated due to the processing of Paycheck Protection Program (PPP) forgiveness payments, which resulted in increased interest income due to accretion of the remaining loan origination fees at payoff. During the quarter the Bank saw outstanding PPP loans reduce to $30.1 million. Through September 30, 2021, 749 of the 752 PPP loans originated in 2020 and 267 of the 402 loans originated in 2021 were forgiven.

Period-end non-PPP loans, net of deferred loan origination fees, totaled $361.6 million, representing quarterly net growth of $25.8 million and year-to-date net growth of $49.7 million or an annualized increase of 21.30%. The growth in non-PPP loans was spread across nearly all loan categories, with the largest growth experienced in investor commercial real estate, construction, and owner-occupied commercial real estate, totaling $7.8 million, $6.9 million, and $5.1 million, respectively. The Bank continued to experience non-PPP loan demand, but pricing pressures remain strong. The effective yield on the non-PPP loan portfolio lowered to 4.49%, down from 4.63% in second quarter, primarily related to new production occurring at rates below the current effective yield of the portfolio.

“The Bank’s loan growth reflects the success we have had in executing our business strategies to leverage the goodwill from originating PPP loans to our local businesses,” said Ron Green, President and CEO. “Our clients continue to see value in community banking, which we believe will result in continued opportunities and long-term shareholder returns.”

During the quarter the Bank saw improvement in credit metrics as classified assets reduced to $8.2 million, down from $12.6 million in second quarter. The reduction was primarily related to improved credit performance, resulting in five separate credits totaling $4.2 million moving from substandard to pass classification. The remaining classified assets on September 30, 2021, consisted of loans across several different loan types and markets, with the largest exposure being a $2.3 million owner-occupied commercial real estate loan in Roseburg. COVID modifications totaled only $3.3 million as of September 30, 2021, with only one $1.5 million individual credit on full payment deferral.

During the quarter, deposit growth slowed, but still totaled $3.5 million. Quarterly growth was partially reduced as the Bank migrated $12.8 million of additional deposits into off balance sheet products through the InterFi Network’s Insured Cash Sweep (ICS) and CDARS products, bringing total off-balance sheet deposits to $106.6 million on September 30, 2021. The off-balance sheet deposits remain a source of liquidity, with the ICS deposits available on demand and the CDARs deposits had a maximum maturity of four weeks.

Third quarter 2021 noninterest income totaled $1.6 million, which represented a decrease of $183 thousand from second quarter 2021 and an increase of $255 thousand over third quarter 2020. During the third quarter trust fee income contracted to $703 thousand, down from $878 thousand during second quarter. The second quarter trust revenue contained $230 thousand of event-based transactional revenue, typically tied to liquidation of real estate due to the death of a trust client. This transactional revenue is tied to events outside of the Bank’s control and it contracted to $30 thousand during third quarter, but trust management revenue increased to $673 thousand, up $25 thousand over second quarter 2021 and up $98 thousand over third quarter 2020. Below is a summary of the breakout of trust revenue.


THREE MONTHS ENDED NINE MONTHS ENDED
Sept 30,

June 30,

Sept 30,

Sept 30,

Sept 30,

2021

2021

2020

2021

2020

Trust Management Revenue
$

673

$

648

$

575

$

1,891

$

1,667

Transactional Revenue


30



230



53



320



100

Trust fee income
$

703

$

878

$

628

$

2,211

$

1,767


The Bank experienced an increase in service charge revenue of $29 thousand compared to prior quarter. This increase was partially attributable to a change in the Bank’s consumer account service charge structure which became effective on August 1, 2021. The Bank implemented this fee change after careful review of market-based pricing and this was the first change in account fees in more than ten years.

Noninterest expense in the third quarter totaled $4.2 million, up $47 thousand over the second quarter. The largest change occurred in the outside services category, which was primarily due to legal expenses associated with review and update to the Bank’s Deferred Compensation Plan and update of the Bank’s Stock Incentive Plan. The 2012 Stock Incentive plan is set to expire in February 2022 and the Bank will be presenting an updated plan for shareholder approval in the 2022 proxy. This expense totaled $33 thousand during the quarter and will not be a reoccurring expense.

On September 29, 2021, Oregon Pacific Bancorp, the holding company for Oregon Pacific Bank, completed a private placement of $15 million in aggregate principal amount of fixed-to-floating rate subordinated notes (the “Notes”) to certain qualified institutional buyers and accredited investors. The Notes will initially bear interest at 3.375% per annum payable semi-annually until September 30, 2026, and thereafter pay a quarterly floating interest rate based on the then-current Three-Month Term Secured Overnight Financing Rate (SOFR) plus 266 basis points, payable quarterly in arrears. Beginning on September 30, 2026, the Notes may be redeemed, in whole or in part, at the Company’s option. The Notes will mature on September 30, 2031. Included in the proceeds from the debenture were various expenses, including commission, legal expenses, and various filing and paying agent expenses. The total of the issuance cost was $508 thousand and will be amortized over the life of the debt as an increase to interest expense.

Subsequent to the subordinated debt issuance, Oregon Bancorp made a capital investment in Oregon Pacific Bank totaling $13.5 million. This capital injection qualified as Tier 1 capital at the Bank and helped to increase the tier 1 leverage ratio as of September 30, 2021, to 9.70%, up from 7.45% as of June 30, 2021.

Forward-Looking Statement Safe Harbor

This release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (“PSLRA”). These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates,” “targets,” “expects,” “estimates,” “intends,” “plans,” “goals,” “believes” and other similar expressions or future or conditional verbs such as “will,” “should,” “would” and “could.” The forward-looking statements made represent Oregon Pacific Bank’s current estimates, projections, expectations, plans or forecasts of its future results and revenues, including but not limited to statements about performance, loan or deposit growth, loan prepayments, investment purchases, strategic focus, capital position, liquidity, credit quality, special asset liquidation, noninterest expense and credit quality trends. These statements are not guarantees of future results or performance and involve certain risks, uncertainties and assumptions that are difficult to predict and are often beyond Oregon Pacific Bank’s control. Actual outcomes and results may differ materially from those expressed in, or implied by, any of these forward-looking statements. You should not place undue reliance on any forward-looking statement and should consider all of the following uncertainties and risks. Oregon Pacific Bancorp undertakes no obligation to publicly revise or update any forward-looking statement to reflect the impact of events or circumstances that arise after the date of this release. This statement is included for the express purpose of invoking the PSLRA’s safe harbor provisions.

CONSOLIDATED BALANCE SHEETS
Unaudited (dollars in thousands)


Sept 30,

June 30,

Sept 30,

2021

2021

2020

ASSETS
Cash and due from banks
$

10,496

$

12,658

$

9,996

Interest bearing deposits


186,565



181,966



49,693

Securities


82,398



65,509



32,406

Non PPP Loans, net of deferred fees and costs


361,573



335,813



306,054

PPP Loans, net of deferred fees and costs


30,073



54,287



121,872

Total Loans, net of deferred fees and costs


391,646



390,100



427,926

Allowance for loan losses


(6,026)



(6,024)



(5,782)

Premises and equipment, net


6,351



6,507



6,917

Bank owned life insurance


8,342



8,282



8,101

Deferred tax asset


1,111



940



300

Other assets


3,431



3,745



4,899


Total assets
$

684,314

$

663,683

$

534,456



LIABILITIES
Deposits
Demand - non-interest bearing
$

180,991

$

181,406

$

134,574

Demand - interest bearing


177,404



188,135



163,095

Money market


158,392



147,506



106,838

Savings


75,710



72,557



61,964

Certificates of deposit


20,453



19,854



19,118

Total deposits


612,950



609,458



485,589


Junior subordinated debenture


4,124



4,124



4,124

Subordinated debenture


14,492



-



-

Other liabilities


4,874



3,843



4,423


Total liabilities


636,440



617,425



494,136


STOCKHOLDERS' EQUITY
Common stock


20,866



20,831



20,721

Retained earnings


26,448



24,406



18,440

Accumulated other comprehensive income, net of tax


560



1,021



1,159


Total stockholders' equity


47,874



46,258



40,320


Total liabilities & stockholders' equity
$

684,314

$

663,683

$

534,456

CONSOLIDATED STATEMENTS OF INCOME
Unaudited (dollars in thousands, except per share data)
THREE MONTHS ENDED

NINE MONTHS ENDED

Sept 30,

June 30,

Sept 30,

Sept 30,

Sept 30,

2021

2021

2020

2021

2020

INTEREST INCOME
Non-PPP loans
$

3,973

$

3,758

$

3,607

$

11,380

$

11,070

PPP loans


1,100



961



831



3,520



1,465

Securities


262



242



162



682



496

Other interest income


69



51



17



148



98

Total interest income


5,404



5,012



4,617



15,730



13,129


INTEREST EXPENSE
Deposits


119



116



158



336



538

Borrowed funds


34



31



34



95



115

Total interest expense


153



147



192



431



653


NET INTEREST INCOME


5,251



4,865



4,425



15,299



12,476

Provision for loan losses


-



-



900



-



2,178

Net interest income after provision for loan losses


5,251



4,865



3,525



15,299



10,298


NONINTEREST INCOME
Trust fee income


703



878



628



2,211



1,767

Service charges


300



271



233



819



647

Mortgage loan sales and servicing


138



239



127



526



347

Investment sales commissions


29



33



63



98



154

Merchant card services


151



114



107



351



230

Oregon Pacific Wealth Management income


224



199



140



611



400

Other income


84



78



76



240



238

Total noninterest income


1,629



1,812



1,374



4,856



3,783


NONINTEREST EXPENSE
Salaries and employee benefits


2,305



2,401



2,211



6,979



6,265

Outside services


506



436



415



1,378



1,223

Occupancy & equipment


362



348



334



1,057



973

Trust expense


364



348



347



1,066



1,024

Loan and collection, OREO expense


30



29



95



95



321

Advertising


95



75



52



229



136

Supplies and postage


71



61



59



188



182

Other operating expenses


419



407



319



1,234



934

Total noninterest expense


4,152



4,105



3,832



12,226



11,058


Income before taxes


2,728



2,572



1,067



7,929



3,023

Provision for income taxes


686



650



264



1,998



748


NET INCOME
$

2,042

$

1,922

$

803

$

5,931

$

2,275

Quarterly Highlights

3rd Quarter 2nd Quarter 1st Quarter 4th Quarter 3rd Quarter
2021

2021

2021

2020

2020


Earnings
Net interest income
$

5,251



$

4,865



$

5,184



$

5,586



$

4,425



Provision for loan loss


-





-





-





-





900



Noninterest income


1,629





1,812





1,414





1,363





1,374



Noninterest expense


4,152





4,105





3,969





4,158





3,832



Provision for income taxes


686





650





662





713





264



Net income
$

2,042



$

1,922



$

1,967



$

2,078



$

803




Average shares outstanding


7,042,478





7,041,041





7,022,759





7,008,125





7,008,125



Earnings per share
$

0.29



$

0.27



$

0.28



$

0.30



$

0.11




Performance Ratios
Return on average assets


1.22

%



1.17

%



1.38

%



1.52

%



0.60

%

Return on average equity


17.24

%



17.24

%



18.59

%



20.33

%



8.05

%

Net interest margin - tax equivalent


3.25

%



3.09

%



3.82

%



4.29

%



3.50

%

Yield on loans


5.11

%



4.78

%



5.14

%



5.37

%



4.14

%

Yield on loans - excluding PPP loans


4.49

%



4.63

%



4.63

%



4.69

%



4.70

%

Cost of deposits


0.08

%



0.08

%



0.08

%



0.10

%



0.13

%

Efficiency ratio


60.35

%



61.48

%



60.19

%



59.84

%



66.08

%

Full-time equivalent employees


116





114





116





116





113




Capital
Leverage ratio


9.70

%



7.45

%



8.18

%



8.33

%



8.14

%

Common equity tier 1 ratio


18.50

%



15.25

%

NA(1) NA(1) NA(1)
Tier 1 risk based ratio


18.50

%



15.25

%

NA(1) NA(1) NA(1)
Total risk based ratio


19.75

%



16.51

%

NA(1) NA(1) NA(1)
Book value per share
$

6.80



$

6.57



$

6.23



$

6.03



$

5.75




Asset quality
Allowance for loan losses (ALLL)
$

6,026



$

6,024



$

6,020



$

5,791



$

5,782



Nonperforming loans (NPLs)
$

1,388



$

1,517



$

1,558



$

2,521



$

1,596



Nonperforming assets (NPAs)
$

1,388



$

1,517



$

1,558



$

2,521



$

1,596



Classified Assets (2)
$

8,156



$

12,627



$

12,141



$

14,366



$

12,667



Net loan charge offs (recoveries)
$

(2

)

$

(3

)

$

(230

)

$

(9

)

$

(9

)

ALLL as a percentage of net loans


1.54

%



1.54

%



1.50

%



1.48

%



1.35

%

ALLL as a percentage of net loans (excluding PPP)


1.67

%



1.79

%



1.87

%



1.86

%



1.89

%

ALLL as a percentage of NPLs


434.15

%



397.10

%



386.39

%



229.75

%



362.26

%

Net charge offs (recoveries) to average loans


0.00

%



0.00

%



-0.06

%



0.00

%



0.00

%

Net NPLs as a percentage of total loans


0.35

%



0.39

%



0.39

%



0.64

%



0.53

%

Nonperforming assets as a percentage of total assets


0.20

%



0.23

%



0.24

%



0.47

%



0.30

%

Classified Asset Ratio (3)


17.04

%



27.30

%



27.67

%



33.98

%



31.42

%

Past due as a percentage of total loans


0.03

%



0.36

%



0.14

%



0.49

%



0.54

%


Off-balance sheet figures
Off-balance sheet demand deposits (4)
$

57,105



$

54,299



$

56,226



$

50,281



$

24,974



Off-balance sheet time deposits (5)
$

49,500



$

39,500



$

-



$

-



$

-



Unused credit commitments
$

86,816



$

83,807



$

82,458



$

83,982



$

74,110




End of period balances
Total securities and short term deposits
$

268,963



$

247,475



$

211,989



$

124,375



$

82,099



Total loans net of allowance
$

385,620



$

384,076



$

395,176



$

385,173



$

422,144



Total earning assets
$

661,966



$

638,932



$

614,542



$

516,485



$

511,171



Total assets
$

684,314



$

663,683



$

637,009



$

537,141



$

534,456



Total noninterest bearing deposits
$

180,991



$

181,406



$

171,750



$

136,428



$

134,574



Total deposits
$

612,950



$

609,458



$

585,307



$

486,343



$

485,589




Average balances
Total securities and short term deposits
$

250,185



$

239,921



$

150,214



$

109,006



$

80,235



Total loans net of allowance
$

388,212



$

389,766



$

397,195



$

405,796



$

421,663



Total earning assets
$

645,779



$

637,066



$

554,446



$

521,734



$

508,244



Total assets
$

666,455



$

659,644



$

576,991



$

543,422



$

529,784



Total noninterest bearing deposits
$

183,950



$

178,155



$

167,266



$

138,247



$

134,676



Total deposits
$

610,247



$

606,476



$

525,064



$

493,502



$

480,742




(1) Effective March 31, 2020 through March 31, 2021 Oregon Pacific Bank opted into the Community Bank Leverage Ratio and stopped calculating risked based capital ratios.
(2) Classified assets is defined as the sum of all loan-related contingent liabilities and loans internally graded substandard or worse, impaired loans (net of government guarantees), adversely classified securities, and other real estate owned.
(3) Classified asset ratio is defined as the sum of all loan-related contingent liabilities and loans internally graded substandard or worse, impaired loans (net of government guarantees), adversely classified securities, and other real estate owned, divided by bank Tier 1 capital, plus the allowance for loan losses.
(4) Deposits sold through IntraFi Network Deposits Insured Cash Sweep (ICS) program
(5) Deposits sold through IntraFi Network Deposits CDARs program

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Surprised nobody posts here.

$BCA > Technical bounce watch this week >

BCA has hit the ol' scanner and has a fair chance of a bounce at these levels. Stocks that have declined this badly almost always retrace higher, bounce or dip some and come right back to this point before a further decline.
Contacting me with the fundamentals about the company does not change my criteria for scanning stocks.

If you just started shorting this stock, it might be a bad idea as this is totally oversold!



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Barchart Barchart Opinion ~ http://barchart.com/opinions/stocks/BCA
Barchart Snapshot Opinion ~ http://barchart.com/snapopinion/stocks/BCA
Barchart News Headlines ~ http://barchart.com/news/stocks/BCA
Barchart Profile ~ http://barchart.com/profile//BCA
Barchart Key Statistics ~ http://barchart.com/profile.php?sym=BCA&view=key_statistics


OTC: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=BCA&MarketTicker=OTC&TYP=S
NASDAQ: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=BCA&MarketTicker=NASD&TYP=S
NYSE: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=BCA&MarketTicker=NYSE&Typ=S


Marketwatch Profile ~ http://www.marketwatch.com/investing/stock/BCA/profile
Marketwatch Analyst Estimates ~ http://www.marketwatch.com/investing/stock/BCA/analystestimates
Marketwatch Historical Quotes ~ http://www.marketwatch.com/investing/stock/BCA/historical
Marketwatch Financials ~ http://www.marketwatch.com/investing/stock/BCA/financials
Marketwatch Overview ~ http://www.marketwatch.com/investing/stock/BCA
Marketwatch SEC Filings ~ http://www.marketwatch.com/investing/stock/BCA/secfilings
Marketwatch Picks ~ http://www.marketwatch.com/investing/stock/BCA/picks
Marketwatch Hulbert ~ http://www.marketwatch.com/investing/stock/BCA/hulbert
Marketwatch Insider Actions ~ http://www.marketwatch.com/investing/stock/BCA/insideractions
Marketwatch Options ~ http://www.marketwatch.com/investing/stock/BCA/options
Marketwatch Charts ~ http://www.marketwatch.com/investing/stock/BCA/charts
Marketwatch News ~ http://bigcharts.marketwatch.com/news/symbolsearch/symbolnews.asp?news=markadv&symb=BCA&sid=1795093&framed=False


The Lion ~ http://thelion.com/bin/aio_msg.cgi?cmd=search&msg=&si=1&tw=1&tt=1&rb=1&ih=1&fo=1&iv=1&yf=1&sa=1&fb=1&gg=1&symbol=BCA


Search NYSE ~ http://www.nyse.com/about/listed/lcddata.html?ticker=BCA


StockTA ~ http://www.stockta.com/cgi-bin/analysis.pl?symb=BCA&num1=567&cobrand=&mode=stock


StockHouse ~ http://www.stockhouse.com/financialtools/sn_overview.aspx?qm_symbol=BCA
StockHouse Delayed LII ~ http://www.stockhouse.com/financialtools/sn_level2.aspx?qm_page=46140&qm_symbol=BCA


AlphaTrade ~ http://tools.alphatrade.com/index.php?t1=mc_quote_module&t2=mc_quote_module2&t3=historical&template=historical2html&sym=BCA&client_id=2740&a_width=680&a_height=1000&language=english&showVol=1&chtype=8


Reuters ~ http://www.reuters.com/finance/stocks/companyOfficers?symbol=BCA.PK&WTmodLOC=C4-Officers-5


StockWatch ~ http://www.stockwatch.com/Quote/Detail.aspx?symbol=BCA®ion=U


Search NASDAQ ~ http://www.nasdaq.com/symbol/BCA
NASDAQ Divy History ~ http://www.nasdaq.com/symbol/BCA/dividend-history
NASDAQ Short Interest ~ http://www.nasdaq.com/symbol/BCA/short-interest
NASDAQ Institutional Ownership ~ http://www.nasdaq.com/symbol/BCA/institutional-holdings
NASDAQ FlashQuotes ~ http://www.nasdaq.com/aspx/flashquotes.aspx?symbol=BCA&selected=BCA
NASDAQ InfoQuotes ~ http://www.nasdaq.com/aspx/infoquotes.aspx?symbol=BCA&selected=BCA
NASDAQ After Hours Quote ~ http://www.nasdaq.com/symbol/BCA/after-hours
NASDAQ Pre-Market Quote ~ http://www.nasdaq.com/symbol/BCA/premarket
NASDAQ Historical Quote ~ http://www.nasdaq.com/symbol/BCA/historical
NASDAQ Option Chain ~ http://www.nasdaq.com/symbol/BCA/option-chain
NASDAQ Company Headlines ~ http://www.nasdaq.com/symbol/BCA/news-headlines
NASDAQ Press Releases ~ http://www.nasdaq.com/symbol/BCA/news-headlines
NASDAQ Sentiment ~ http://www.nasdaq.com/symbol/BCA/sentiment
NASDAQ Analyst Summary ~ http://www.nasdaq.com/symbol/BCA/analyst-research
NASDAQ Guru Analysis~ http://www.nasdaq.com/symbol/BCA/guru-analysis
NASDAQ Stock Report ~ http://www.nasdaq.com/symbol/BCA/stock-report
NASDAQ Competitors ~ http://www.nasdaq.com/symbol/BCA/competitors
NASDAQ Stock Consultant ~ http://www.nasdaq.com/symbol/BCA/stock-consultant
NASDAQ Stock Comparison ~ http://www.nasdaq.com/symbol/BCA/stock-comparison
NASDAQ Call Transcripts ~ http://www.nasdaq.com/symbol/BCA/call-transcripts
NASDAQ Annual Reports ~ http://www.nasdaq.com/aspx/annualreport.aspx?symbol=BCA&selected=BCA
NASDAQ Financials ~ http://www.nasdaq.com/symbol/BCA/financials
NASDAQ Revenue & Earnings Per Share (EPS) ~ http://www.nasdaq.com/symbol/BCA/revenue-eps
NASDAQ SEC Filings ~ http://www.nasdaq.com/symbol/BCA/sec-filings
NASDAQ Ownership Summary ~ http://www.nasdaq.com/symbol/BCA/ownership-summary
NASDAQ Institutional Ownership ~ http://www.nasdaq.com/symbol/BCA/institutional-holdings
NASDAQ (SEC Form 4) ~
--------- All Trades ~ http://www.nasdaq.com/symbol/BCA/insider-trades
--------- Buys ~ http://www.nasdaq.com/symbol/BCA/insider-trades/buys
--------- Sells ~ http://www.nasdaq.com/symbol/BCA/insider-trades/sells


The Motley Fool ~ http://caps.fool.com/Ticker/BCA.aspx
The Motley Fool Earnings/Growth ~ http://caps.fool.com/Ticker/BCA/EarningsGrowthRates.aspx?source=itxsittst0000001
The Motley Fool Ratios ~ http://caps.fool.com/Ticker/BCA/Ratios.aspx?source=itxsittst0000001
The Motley Fool Stats ~ http://caps.fool.com/Ticker/BCA/Stats.aspx?source=icasittab0000006
The Motley Fool Historical ~ http://caps.fool.com/Ticker/BCA/Historical.aspx?source=icasittab0000004
The Motley Fool Scorecard ~ http://caps.fool.com/Ticker/BCA/Scorecard.aspx?source=icasittab0000003
The Motley Fool Statements ~ http://caps.fool.com/Ticker/BCA/Statements.aspx?source=icasittab0000009


MSN Money ~ http://investing.money.msn.com/investments/stock-ratings?symbol=BCA


YCharts ~ http://ycharts.com/companies/BCA
YCharts Performance ~ http://ycharts.com/companies/BCA/performance
YCharts Dashboard ~ http://ycharts.com/companies/BCA/dashboard


InsideStocks Opinion ~ http://www.insidestocks.com/texpert.asp?sym=BCA&code=XDAILY
InsideStocks Profile ~ http://www.insidestocks.com/profile.asp?sym=BCA&code=XDAILY
InsideStocks Quote ~ http://www.insidestocks.com/quote.asp?sym=BCA&code=XDAILY
InsideStocks Projection ~ http://charts3.barchart.com/procal.asp?sym=BCA


Zacks Quote ~ http://www.zacks.com/stock/quote/BCA
Zacks Estimates ~ http://www.zacks.com/research/report.php?type=estimates&t=BCA
Zacks Company Reports ~ http://www.zacks.com/research/report.php?type=report&t=BCA


Knobias ~ http://knobias.10kwizard.com/files.php?sym=BCA


StockScores ~ http://www.stockscores.com/quickreport.asp?ticker=BCA


Trade-Ideas ~ http://www.trade-ideas.com/StockInfo/BCA/HOT_TOPIC.html


Morningstar ~ http://performance.morningstar.com/stock/performance-return.action?region=USA&t=BCA&culture=en-US
Morningstar Shareholders ~ http://investors.morningstar.com/ownership/shareholders-overview.html?t=BCA®ion=USA&culture=en-us
Morningstar Transcripts~ http://www.morningstar.com/earnings/NoTranscript.aspx?t=BCA®ion=USA
Morningstar Key Ratios ~ http://financials.morningstar.com/ratios/r.html?t=BCA®ion=USA&culture=en-US
Morningstar Executive Compensation ~ http://insiders.morningstar.com/trading/executive-compensation.action?t=BCA®ion=USA&culture=en-us
Morningstar Valuation ~ http://financials.morningstar.com/valuation/price-ratio.html?t=BCA®ion=USA&culture=en-us


CCBN (Thompson Reuters) ~ http://ccbn.aol.com/company.asp?client=aol&ticker=BCA


TradingMarkets ~ http://pr.tradingmarkets.com/?lid=leftPRbox&sym=BCA


OTCBB ~ http://www.otcbb.com/asp/SiteSearch.asp?Criteria=BCA&searcharea=e&image1.x=0&image1.y=0


Insidercow ~ http://www.insidercow.com/history/company.jsp?company=BCA&B1=Search%21


Forbes News ~ http://search.forbes.com/search/find?tab=searchtabgeneraldark&MT=BCA
Forbes Press Releases ~ http://search.forbes.com/search/find?&start=1&tab=searchtabgeneraldark&MT=BCA&pub=businesswire,prnewswire&searchResults=pressRelease&tag=pr&premium=on
Forbes Web ~ http://search.forbes.com/search/web?MT=BCA&start=1&max=10&searchResults=web&tag=web&sort=null


YouTube Symbol Search ~ http://www.youtube.com/results?search_query=BCA


Buy-Ins ~ http://www.buyins.net/tools/symbol_stats.php?sym=BCA


Quotemedia ~ http://www.quotemedia.com/results.php?qm_page=47556&qm_symbol=BCA


Earnings Whispers ~ http://www.earningswhispers.com/stocks.asp?symbol=BCA

Bloomberg Snapshot ~ http://investing.businessweek.com/research/stocks/snapshot/snapshot.asp?ticker=BCA
Bloomberg People ~ http://investing.businessweek.com/research/stocks/people/people.asp?ticker=BCA

Financial Times ~ http://markets.ft.com/Research/Markets/Tearsheets/Summary?s=BCA

Investorpoint ~ http://www.investorpoint.com/ enter "BCA" and click search.

Hotstocked ~ http://www.hotstocked.com/ enter "BCA" and click search.

Raging Bull ~ http://ragingbull.quote.com/mboard/boards.cgi?board=BCA

Hoovers ~ http://www.hoovers.com/search/company-search-results/100003765-1.html?type=company&term=BCA

DD Machine ~ http://www.ddmachine.com/default.asp?m=stocktool_frame.asp?symbol=BCA

SEC Form 4 ~ http://www.secform4.com/insider/showhistory.php?cik=BCA

OTCBB Pulse ~ http://www.otcbbpulse.com/cgi-bin/pulsequote.cgi?symbol=BCA

Failures To Deliver ~ http://failurestodeliver.com/default2.aspx enter "BCA" and click search.

http://www.coordinatedlegal.com/SecretaryOfState.html

http://regsho.finra.org/regsho-Index.html

http://www.shortsqueeze.com/?symbol=BCA&submit=Short+Quote%99

CorpBanca SA Bancaria is a Chile-based financial institution primarily engaged in the provision of commercial and retail banking services. The Bank also comprises such other activities as factoring, leasing, investment fund management, insurance and securities brokerage, among others. It operates a network of 116 branches, 420 automated teller machines (ATMs) and 210 UniRed self-service machines. The Company ownes such fully consolidated subsidiaries as CorpBanca Corredores de Bolsa SA, CorpBanca Administradora de Fondos SA, CorpBanca Asesorias Financieras SA, CorpLegal SA and CorpBanca Agencia de Valores SA, among others. In addition, CorpGroup Banking SA was the Company’s majority shareholder with 51.23% of its interest. In August 2013, the Company acquired a 100% stake in Helm Bank SA.

>>> http://www.google.com/finance?&q=BCA