BCB Bancorp (BCBP) 10-K/A 2007 FY Annual report (amended)

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K/A

(Mark One)

T           Annual Report  Pursuant To Section 13 Or 15(D) Of The Securities Exchange Act of 1934

For the fiscal ended December 31, 2007.

or

*           Transition Report Pursuant To Section 13 Or 15(D) Of The Securities Exchange Act of  1934

For the transition period from ______________ to ______________.

Commission file number: 000-50275

BCB BANCORP, INC.

(Exact name of registrant as specified in its charter)

New Jersey	26-0065262
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)
104-110 Avenue C, Bayonne, New Jersey	07002
(Address of principal executive offices)	(Zip Code)

Registrant's telephone number, including area code:  (201) 823-0700

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Name of each exchange on which registered
Common Stock, $0.01 par value	The NASDAQ Stock Market, LLC

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

YES *       NO T

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

YES *       NO T

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

YES T       NO *

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.      T

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.  See definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer *	Accelerated filer  *	Non-accelerated filer  *	Smaller reporting company  T
(Do not check if a smaller reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).   YES *     NO T

The aggregate market value of the voting and non-voting common equity held by non-affiliates of the Registrant, computed by reference to the last sale price on June 30, 2007, as reported by the Nasdaq Capital Market, was approximately $60.4 million.

As of March 10, 2008, there were issued 5,078,858 shares of the Registrant’s Common Stock.

DOCUMENTS INCORPORATED BY REFERENCE:

(1) Proxy Statement for the 2008 Annual Meeting of Stockholders of the Registrant (Part III).

(2) Annual Report to Stockholder (Part II and IV).

PLEASE NOTE

This Form 10K-A is being filed as an amendment to our form 10K dated December 31, 2007, and originally filed on March 21, 2008. Through the process of edgarization a portion of the Consolidated Statements of Income, page three of the Company’s audited financial statements was inadvertently deleted. Attached hereto the complete Consolidated Statements of Income may be found.

Consolidated Statements of Income

Years Ended December 31,
2007	2006	2005
(In Thousands, Except for Per Share Data)

Interest Income

Loans, including fees	$	24,365	$	22,770	$	18,760
Securities		8,843		8,046		6,297
Other interest-earning assets		1,182		445		71
Total Interest Income		34,390		31,261		25,128

Interest Expense

Deposits:
Demand	1,006	426	329
Savings and club	1,866	2,611	3,958
Certificates of deposit	10,109	7,807	3,736
	12,981	10,844	8,023
Borrowed money	4,236	2,633	1,222
Total Interest Expense	17,217	13,477	9,245
Net Interest Income	17,173	17,784	15,883
Provision for Loan Losses	600	625	1,118
Net Interest Income after Provision for Loan Losses	16,573	17,159	14,765

Non-Interest  Income

Fees and service charges	629	595	541
Gain on sales of loans originated for sale	420	635	313
Gain on sale of real estate owned	13	-	-
Gain on sales of securities held to maturity	-	-	28
Other	30	30	33
Total Non-Interest Income	1,092	1,260	915

Non-Interest Expenses

Salaries and employee benefits		5,699		5,210		4,428
Occupancy expense of premises		1,000		900		701
Equipment		1,906		1,734		1,581
Advertising		326		329		164
Other		1,787		1,459		1,332
Total Non-Interest Expenses		10,718		9,632		8,206
Income before Income Taxes		6,947		8,787		7,474
Income Taxes		2,509		3,220		2,745
Net Income	$	4,438	$	5,567	$	4,729

Net Income per Common Share
Basic	$	0.92	$	1.11	$	1.25
Diluted	$	0.90	$	1.08	$	1.20
Weighted Average Number of Common Shares Outstanding
Basic		4,818		5,005		3,769
Diluted		4,943		5,172		3,944

3 

Signatures

Pursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, the Registrant has duly caused this 10K/A report to be signed on its behalf by the undersigned, thereunto duly authorized.

	BCB BANCORP, INC.
Date:  April 8, 2008	By:	/s/ Donald Mindiak
		Donald Mindiak
		President, Chief Executive Officer
		and Chief Financial Officer
		(Duly Authorized Representative)

Pursuant to the requirements of the Securities Exchange of 1934, this 10K/A report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.

Signatures	Title	Date
/s/ Donald Mindiak	President, Chief Executive	April 8, 2008
Donald Mindiak	Officer, Chief Financial Officer
	and Director (Principal Executive Officer)
/s/ Thomas M. Coughlin	Vice President, Chief Operating	April 8, 2008
Thomas M. Coughlin	Officer (Principal Accounting
	Officer) and Director
/s/ Mark D. Hogan	Chairman of the Board	April 8, 2008
Mark D. Hogan
/s/ Robert Ballance	Director	April 8, 2008
Robert Ballance

/s/ Judith Q. Bielan	Director	April 8, 2008
Judith Q. Bielan
/s/ Joseph J. Brogan	Director	April 8, 2008
Joseph J. Brogan
/s/ James E. Collins	Director	April 8, 2008
James E. Collins
/s/ Joseph Lyga	Director	April 8, 2008
Joseph Lyga
/s/ Alexander Pasiechnik	Director	April 8, 2008
Alexander Pasiechnik
/s/ August Pellegrini, Jr.	Director	April 8, 2008
August Pellegrini, Jr.
/s/ Joseph Tagliareni	Director	April 8, 2008
Joseph Tagliareni