Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the
holding company for Bogota Savings Bank (the “Bank”), reported net
loss for the three months ended March 31, 2024 of $441,000, or
$0.03 per basic and diluted share, compared to net income of
$993,000, or $0.08 per basic and diluted share, for the comparable
prior year period.
Other Financial Highlights:
- Total assets increased $21.9 million, or 2.3%, to $961.2
million at March 31, 2024 from $939.3 million at December 31, 2023,
due to an increase in securities, offset by a decrease in cash and
cash equivalents and loans.
- Cash and cash equivalents decreased $10.5 million, or 42.1%, to
$14.4 million at March 31, 2024 from $24.9 million at December 31,
2023 as excess funds were used to purchase securities.
- Securities increased $37.0 million, or 26.1%, to $178.5 million
at March 31, 2024 from $141.5 million at December 31, 2023.
- Net loans decreased $5.9 million, or 0.8%, to $708.8 million at
March 31, 2024 from $714.7 million at December 31, 2023.
- Total deposits at March 31, 2024 were $665.5 million,
increasing $40.2 million, or 6.4%, as compared to $625.3 million at
December 31, 2023, primarily due to a $41.0 million increase in
interest-bearing deposits primarily in certificates of deposit,
offset by a $780,000 decrease in non-interest bearing demand
accounts. The average rate on deposits increased 32 basis points to
3.74% for the first quarter of 2024 from 3.42% for 2023 due to
higher interest rates and a larger percentage of deposits
consisting of higher-costing certificates of deposit.
- Federal Home Loan Bank advances decreased $18.4 million, or
11.0% to $149.3 million at March 31, 2024 from $167.7 million as of
December 31, 2023.
Kevin Pace, President and Chief Executive Officer, said
“Interest rates remaining elevated will continue to negatively
impact funding costs and our net interest margin. We are actively
employing strategies to combat the 'higher for longer' interest
rate expectations of the Federal Reserve. Our credit quality
remains strong and we will continue to be prudent lenders in this
environment. We continue to remain positive in our ability to
navigate the current landscape. Growth remains a key focus in our
strategic plan as we remain committed to delivering value to our
shareholders and customers.”
“The Bank opened its newest branch location in Upper Saddle
River, New Jersey, on April 13th. We are excited for the
opportunity this expansion will bring to our growth strategy. This
physical location allows us to enhance our presence in the northern
Bergen County market and become more active in those
communities."
Income Statement Analysis
Comparison of Operating Results for the Three Months Ended
March 31, 2024 and March 31, 2023
Net income decreased by $1.4 million, or 144.4%, to a net loss
of $441,000 for the three months ended March 31, 2024 from net
income of $993,000 for the three months ended March 31, 2023. This
decrease was primarily due to a decrease of $1.9 million in net
interest income, partially offset by a decrease of $585,000 in
income tax expense.
Interest income increased $1.0 million, or 11.6%, from $9.0
million for the three months ended March 31, 2023 to $10.1 million
for the three months ended March 31, 2024 due to higher yields on
interest-earning assets, offset by a decrease in the average
balance of loans.
Interest income on cash and cash equivalents increased $45,000,
or 42.9%, to $150,000 for the three months ended March 31, 2024
from $105,000 for the three months ended March 31, 2023 due a 126
basis point increase in the average yield from 4.84% for the three
months ended March 31, 2023 to 6.10% for the three months ended
March 31, 2024 due to the higher interest rate environment. The
increase was also due to a $1.1 million increase in the average
balance to $9.9 million for the three months ended March 31, 2024
from $8.8 million for the three months ended March 31, 2023,
reflecting the increase of liquidity due to increased deposits and
lower loan originations.
Interest income on loans increased $508,000, or 6.6%, to $8.2
million for the three months ended March 31, 2024 compared to $7.7
million for the three months ended March 31, 2023 due primarily to
29 basis point increase in the average yield from 4.32% for the
three months ended March 31, 2023 to 4.61% for the three months
ended March 31, 2024, offset by a $4.5 million decrease in the
average balance to $713.4 million for the three months ended March
31, 2024 from $718.0 million for the three months ended March 31,
2023.
Interest income on securities increased $433,000, or 39.5%, to
$1.5 million for the three months ended March 31, 2024 from $1.1
million for the three months ended March 31, 2023 primarily due to
a 96 basis point increase in the average yield from 2.71% for the
three months ended March 31, 2023 to 3.67% for the three months
ended March 31, 2024, and, to a lesser extent, to a $4.7 million
increase in the average balance to $166.7 million for the three
months ended March 31, 2024 from $162.0 million for the three
months ended March 31, 2023.
Interest expense increased $2.9 million, or 64.9%, from $4.5
million for the three months ended March 31, 2023 to $7.4 million
for the three months ended March 31, 2024 due to higher costs and
average balances on interest-bearing liabilities.
Interest expense on interest-bearing deposits increased $2.3
million, or 60.7%, to $6.0 million for the three months ended March
31, 2024 from $3.7 million for the three months ended March 31,
2023. The increase was due to a 157 basis point increase in the
average cost of deposits to 3.82% for the three months ended March
31, 2024 from 2.25% for the three months ended March 31, 2023. The
increase in the average cost of deposits was due to the higher
interest rate environment and a change in the composition of the
deposit portfolio. The average balances of certificates of deposit
increased $13.1 million to $516.5 million for the three months
ended March 31, 2024 from $503.4 million for the three months ended
March 31, 2023 while average NOW and money market accounts and
savings accounts decreased $43.3 million and $10.3 million for the
three months ended March 31, 2024, respectively, compared to the
three months ended March 31, 2023.
Interest expense on Federal Home Loan Bank borrowings increased
$663,000, or 85.3%, from $777,000 for the three months ended March
31, 2023 to $1.4 million for the three months ended March 31, 2024.
The increase was primarily due to an increase in the average
balance of borrowings of $56.7 million to $153.3 million for the
three months ended March 31, 2024 from $96.5 million for the three
months ended March 31, 2023. The increase was also due to an
increase in the average cost of borrowings of 51 basis points to
3.78% for the three months ended March 31, 2024 from 3.27% for the
three months ended March 31, 2023 due to the new borrowings being
at higher rates. Cash flow hedges used to manage interest rate risk
totaled $105.0 million at March 31, 2024. During the three months
ended March 31, 2024, the use of the cash flow hedges reduced the
interest expense on the Federal Home Loan Bank advances and
certificates of deposit by $288,000.
Net interest income decreased $1.9 million, or 41.4%, to $2.7
million for the three months ended March 31, 2024 from $4.5 million
for the three months ended March 31, 2023. The decrease reflected a
100 basis point decrease in our net interest rate spread to 0.68%
for the three months ended March 31, 2024 from 1.68% for the three
months ended March 31, 2023. Our net interest margin decreased 87
basis points to 1.18% for the three months ended March 31, 2024
from 2.05% for the three months ended March 31, 2023.
We recorded a $35,000 provision for credit losses for the three
months ended March 31, 2024 compared to no provision for credit
losses for the three-month period ended March 31, 2023. The
provision in the first quarter of 2024 was due to an increase in
corporate securities.
Non-interest income increased by $16,000, or 5.6%, to $299,000
for the three months ended March 31, 2024 from $283,000 for the
three months ended March 31, 2023. Bank-owned life insurance income
increased $26,000, or 14.0%, due to higher balances during 2024,
which was partially offset by a lower gain on sale of loans.
For the three months ended March 31, 2024, non-interest expense
increased $126,000, or 3.6%, over the comparable 2023 period.
Professional fees increased $48,000, or 31.8% due to higher
consulting expense related to strategic business planning. FDIC
insurance premiums increased $41,000, or 67.7%, due to a higher
assessment rate in 2024. Data processing expense increased $27,000,
or 9.6%, due to higher processing costs. The decrease in
advertising expense of $37,000, or 25.3%, was due to reduced
promotions for branch locations and less promotions on deposit and
loan products. Other expense increased $67,000, or 37.6%, due to
higher loan expense.
Income tax expense decreased $585,000, or 196.2%, to a benefit
of $287,000 for the three months ended March 31, 2024 from a
$298,000 expense for the three months ended March 31, 2023. The
decrease was due to $2.0 million of lower taxable income.
Balance Sheet Analysis
Total assets were $961.2 million at March 31, 2024, representing
an increase of $21.9 million, or 2.3%, from December 31, 2023. Cash
and cash equivalents decreased $10.5 million during the period
primarily due to the purchase of new securities offset by loan
repayments. Net loans decreased $5.9 million, or 0.82%, due to
$11.8 million in repayments, partially offset by new production of
$5.9 million, including $6.1 million of commercial real estate
loans. Due to the interest rate environment, we have seen a
decrease in demand for residential and construction loans, which
have been primary drivers of our loan growth in recent periods.
Securities held to maturity increased $3.8 million, or 5.3%, and
securities available for sale increased $33.2 million or 48.1%, due
to new purchases of mortgage-backed securities.
Delinquent loans increased $840,000 to $13.4 million, or 1.89%
of total loans, at March 31, 2024. The increase was mostly due to
one commercial real estate loan with a balance of $766,000. During
the same timeframe, non-performing assets decreased slightly to
$12.4 million and were 1.30% of total assets at March 31, 2024. No
loans were charged-off during the three months ended March 31, 2024
or March 31, 2023. The Company’s allowance for credit losses was
0.40% of total loans and 22.69% of non-performing loans at March
31, 2024 compared to 0.39% of total loans and 21.81% of
non-performing loans at December 31, 2023. The Bank does not have
any exposure to commercial real estate loans secured by office
space.
Total liabilities increased $22.3 million, or 2.8%, to $824.4
million mainly due to a $41.0 million increase in interest bearing
deposits, offset by an $18.4 million decrease in borrowings. Total
deposits increased $40.2 million, or 6.4%, to $665.5 million at
March 31, 2024 from $625.3 million at December 31, 2023. The
increase in deposits reflected an increase in certificate of
deposit accounts, which increased by $24.8 million to $518.1
million from $493.3 million at December 31, 2023 and by an increase
in NOW deposit accounts, which increased by $16.5 million to $57.8
million from $41.3 million at December 31, 2023, offset by
decreases in noninterest bearing demand and money market accounts,
which decreased by $1.3 million from $45.2 million at December 31,
2023 to $43.9 million at March 31, 2024. At March 31, 2024,
brokered deposits were $90.3 million or 13.6% of deposits and
municipal deposits were $59.4 million or 8.9% of deposits. At March
31, 2024, uninsured deposits represented 8.4% of the Bank’s total
deposits. Federal Home Loan Bank advances decreased $18.4 million,
or 11.0%, due to repayment of matured borrowings. Total borrowing
capacity at the Federal Home Loan Bank is $316.5 million of which
$149.3 million has been advanced.
Total stockholders’ equity decreased $346,000 to $136.8 million,
due to a net loss of $441,000, the repurchase of 33,083 shares of
stock at a cost of $270,000, offset by a decrease in accumulated
other comprehensive loss for securities available for sale of
$80,000 and stock compensation of $234,000 for the three months
ended March 31, 2024. At March 31, 2024, the Company’s ratio of
average stockholders’ equity-to-total assets was 14.36%, compared
to 15.24% at December 31, 2023.
About Bogota Financial Corp.
Bogota Financial Corp. is a Maryland corporation organized as
the mid-tier holding company of Bogota Savings Bank and is the
majority-owned subsidiary of Bogota Financial, MHC. Bogota Savings
Bank is a New Jersey chartered stock savings bank that has served
the banking needs of its customers in northern and central New
Jersey since 1893. It operates from seven offices located in
Bogota, Hasbrouck Heights, Upper Saddle River, Newark, Oak Ridge,
Parsippany and Teaneck, New Jersey and operates a loan production
office in Spring Lake, New Jersey.
Forward-Looking Statements
This press release contains certain forward-looking statements
about the Company and the Bank. Forward-looking statements include
statements regarding anticipated future events and can be
identified by the fact that they do not relate strictly to
historical or current facts. They often include words such as
“believe,” “expect,” “anticipate,” “estimate,” and “intend” or
future or conditional verbs such as “will,” “would,” “should,”
“could,” or “may.” Forward-looking statements, by their nature, are
subject to risks and uncertainties. Certain factors that could
cause actual results to differ materially from expected results
include increased competitive pressures, changes in the interest
rate environment, inflation, general economic conditions or
conditions within the securities markets, potential recessionary
conditions, real estate market values in the Bank’s lending
area, changes in liquidity, including
the size and composition of our deposit portfolio, including the
percentage of uninsured deposits in the portfolio; the availability
of low-cost funding; our continued reliance on brokered and
municipal deposits; demand for loans in our market area; changes in
the quality of our loan and security portfolios, increases in
non-performing and classified loans, monetary and fiscal policies
of the U.S. Government including policies of the U.S. Treasury and
the Board of Governors of the Federal Reserve System, a failure in
or breach of the Company’s operational or security systems or
infrastructure, including cyberattacks, the failure to maintain
current technologies, failure to retain or attract employees and
legislative, accounting and regulatory changes that could adversely
affect the business in which the Company and the Bank are
engaged.
The Company undertakes no obligation to revise these
forward-looking statements or to reflect events or circumstances
after the date of this press release.
BOGOTA FINANCIAL CORP.
CONSOLIDATED STATEMENTS OF
FINANCIAL CONDITION
(unaudited)
As of
As of
March 31, 2024
December 31, 2023
Assets
Cash and due from banks
$
6,507,713
$
13,567,115
Interest-bearing deposits in other
banks
7,927,173
11,362,356
Cash and cash equivalents
14,434,886
24,929,471
Securities available for sale, at fair
value
102,046,637
68,888,179
Securities held to maturity, at amortized
cost (fair value of $68,870,062 and $65,374,753, respectively)
76,497,289
72,656,179
Loans, net of allowance of $2,820,950 and
$2,785,949, respectively
708,824,281
714,688,635
Premises and equipment, net
7,827,305
7,687,387
Federal Home Loan Bank (FHLB) stock and
other restricted securities
7,788,500
8,616,100
Accrued interest receivable
4,036,718
3,932,785
Core deposit intangibles
192,066
206,116
Bank-owned life insurance
31,199,810
30,987,851
Other assets
8,395,905
6,731,500
Total Assets
$
961,243,397
$
939,324,203
Liabilities and Equity
Non-interest bearing deposits
$
29,775,170
$
30,554,842
Interest bearing deposits
635,767,236
594,792,300
Total deposits
665,542,406
625,347,142
FHLB advances-short term
28,500,000
37,500,000
FHLB advances-long term
120,823,755
130,189,663
Advance payments by borrowers for taxes
and insurance
2,998,852
2,733,709
Other liabilities
6,551,192
6,380,486
Total liabilities
824,416,205
802,151,000
Stockholders’ Equity
Preferred stock $0.01 par value 1,000,000
shares authorized, none issued and outstanding at March 31, 2024
and December 31, 2023
—
—
Common stock $0.01 par value, 30,000,000
shares authorized, 13,256,147 issued and outstanding at March 31,
2024 and 13,279,230 at December 31, 2023
132,461
132,792
Additional paid-in capital
56,090,019
56,149,915
Retained earnings
91,736,088
92,177,068
Unearned ESOP shares (403,082 shares at
March 31, 2024 and 409,750 shares at December 31, 2023)
(4,746,497
)
(4,821,798
)
Accumulated other comprehensive loss
(6,384,879
)
(6,464,774
)
Total stockholders’ equity
136,827,192
137,173,203
Total liabilities and stockholders’
equity
$
961,243,397
$
939,324,203
BOGOTA FINANCIAL CORP.
CONSOLIDATED STATEMENTS OF
OPERATIONS
(unaudited)
Three Months Ended
March 31,
2024
2023
Interest income
Loans
$
8,207,392
$
7,699,438
Securities
Taxable
1,516,343
1,051,260
Tax-exempt
13,148
44,902
Other interest-earning assets
324,304
221,589
Total interest income
10,061,187
9,017,189
Interest expense
Deposits
5,969,881
3,714,997
FHLB advances
1,440,069
777,354
Total interest expense
7,409,950
4,492,351
Net interest income
2,651,237
4,524,838
Provision (credit) for loan losses
35,000
—
Net interest income after provision
(credit) for credit losses
2,616,237
4,524,838
Non-interest income
Fees and service charges
58,587
52,152
Gain on sale of loans
—
13,225
Bank-owned life insurance
211,959
186,053
Other
28,532
31,849
Total non-interest income
299,078
283,279
Non-interest expense
Salaries and employee benefits
2,158,565
2,162,369
Occupancy and equipment
371,117
382,787
FDIC insurance assessment
100,597
60,000
Data processing
303,605
277,097
Advertising
110,100
147,300
Director fees
155,700
159,337
Professional fees
196,785
149,250
Other
246,622
179,208
Total non-interest expense
3,643,091
3,517,348
(Loss) income before income taxes
(727,776
)
1,290,769
Income tax (benefit) expense
(286,796
)
298,062
Net (loss) income
$
(440,980
)
$
992,707
(Loss) earnings per Share - basic
$
(0.03
)
$
0.08
(Loss) earnings per Share - diluted
$
(0.03
)
$
0.08
Weighted average shares outstanding -
basic
12,852,930
13,013,492
Weighted average shares outstanding -
diluted
12,852,930
13,055,533
BOGOTA FINANCIAL CORP.
SELECTED RATIOS
(unaudited)
At or For the Three
Months
Ended March 31,
2024
2023
Performance Ratios (1):
(Loss) return on average assets (2)
(0.19
)%
0.39
%
(Loss) return on average equity (3)
(1.29
)%
2.68
%
Interest rate spread (4)
0.68
%
1.68
%
Net interest margin (5)
1.18
%
2.05
%
Efficiency ratio (6)
137.41
%
73.15
%
Average interest-earning assets to average
interest-bearing liabilities
114.57
%
116.68
%
Net loans to deposits
106.50
%
103.07
%
Average equity to assets (7)
14.36
%
14.69
%
Capital Ratios:
Tier 1 capital to average assets
13.23
%
15.60
%
Asset Quality Ratios:
Allowance for credit losses as a percent
of total loans
0.40
%
0.38
%
Allowance for credit losses as a percent
of non-performing loans
22.69
%
21.35
%
Net charge-offs to average outstanding
loans during the period
--
%
--
%
Non-performing loans as a percent of total
loans
1.75
%
1.79
%
Non-performing assets as a percent of
total assets
1.30
%
1.35
%
(1)
Certain performance ratios for
the three-months are annualized.
(2)
Represents net (loss) income
divided by average total assets.
(3)
Represents net (loss) income
divided by average stockholders’ equity.
(4)
Represents the difference between
the weighted average yield on average interest-earning assets and
the weighted average cost of average interest-bearing liabilities.
Tax exempt income is reported on a tax equivalent basis using a
combined federal and state marginal tax rate of 27.5% for 2024 and
2023.
(5)
Represents net interest income as
a percent of average interest-earning assets. Tax exempt income is
reported on a tax equivalent basis using a combined federal and
state marginal tax rate of 27.5% for 2024 and 2023.
(6)
Represents non-interest expenses
divided by the sum of net interest income and non-interest
income.
(7)
Represents average stockholders’
equity divided by average total assets.
LOANS
Loans are summarized as follows at March 31, 2024 and December
31, 2023:
March 31,
December 31,
2024
2023
(unaudited)
Real estate:
Residential First Mortgage
$
482,448,777
$
486,052,422
Commercial Real Estate
105,959,762
99,830,514
Multi-Family Real Estate
75,747,749
75,612,566
Construction
41,160,057
49,302,040
Commercial and Industrial
6,284,264
6,658,370
Consumer
44,622
18,672
Total loans
711,645,231
717,474,584
Allowance for credit losses
(2,820,950
)
(2,785,949
)
Net loans
$
708,824,281
$
714,688,635
The following tables set forth the distribution of total deposit
accounts, by account type, at the dates indicated (unaudited).
At March 31,
At December 31,
2024
2023
Amount
Percent
Average Rate
Amount
Percent
Average Rate
(unaudited)
Noninterest bearing demand accounts
$
29,787,560
4.48
%
—
%
$
30,555,546
4.89
%
—
%
NOW accounts
57,791,993
8.68
%
2.29
41,320,723
6.61
%
1.90
Money market accounts
14,134,638
2.12
%
0.29
14,641,000
2.34
%
0.30
Savings accounts
45,751,518
6.87
%
1.81
45,554,964
7.28
%
1.76
Certificates of deposit
518,076,697
77.84
%
4.38
493,274,767
78.88
%
4.00
Total
$
665,542,406
100.00
%
3.74
%
$
625,347,000
100.00
%
3.42
%
Average Balance Sheets and Related Yields and Rates
The following tables present information regarding average
balances of assets and liabilities, the total dollar amounts of
interest income and dividends from average interest-earning assets,
the total dollar amounts of interest expense on average
interest-bearing liabilities, and the resulting annualized average
yields and costs. The yields and costs for the periods indicated
are derived by dividing income or expense by the average balances
of assets or liabilities, respectively, for the periods presented.
Average balances have been calculated using daily balances.
Nonaccrual loans are included in average balances only. Loan fees
are included in interest income on loans and are not material.
Three Months Ended March
31,
2024
2023
Average
Interest and
Yield/
Average
Interest and
Yield/
Balance
Dividends
Cost (3)
Balance
Dividends
Cost (3)
(Dollars in thousands)
(unaudited)
Assets:
Cash and cash equivalents
$
9,865
$
150
6.10
%
$
8,799
$
105
4.84
%
Loans
713,430
8,207
4.61
%
717,964
7,699
4.32
%
Securities
166,666
1,529
3.67
%
161,960
1,096
2.71
%
Other interest-earning assets
8,101
175
8.63
%
5,338
117
8.74
%
Total interest-earning assets
898,062
10,061
4.49
%
894,061
9,017
4.06
%
Non-interest-earning assets
55,694
54,810
Total assets
$
953,756
$
948,871
Liabilities and equity:
NOW and money market accounts
$
69,450
$
334
1.94
%
$
112,717
$
380
1.37
%
Savings accounts
43,348
198
1.84
%
53,618
70
0.53
%
Certificates of deposit
516,496
5,438
4.23
%
503,369
3,265
2.63
%
Total interest-bearing deposits
629,294
5,970
3.82
%
669,704
3,715
2.25
%
Federal Home Loan Bank advances (1)
153,269
1,440
3.78
%
96,532
777
3.27
%
Total interest-bearing liabilities
782,563
7,410
3.81
%
766,236
4,492
2.38
%
Non-interest-bearing deposits
30,018
37,224
Other non-interest-bearing liabilities
4,175
5,977
Total liabilities
816,756
809,437
Total equity
137,000
139,434
Total liabilities and equity
$
953,756
$
948,871
Net interest income
$
2,651
$
4,525
Interest rate spread (2)
0.68
%
1.68
%
Net interest margin (3)
1.18
%
2.05
%
Average interest-earning assets to average
interest-bearing liabilities
114.76
%
116.68
%
1.
Cash flow hedges are used to
manage interest rate risk. During the three months ended March 31,
2024 and 2023, the net effect on interest expense on the Federal
Home Loan Bank advances and certificates of deposit was a reduced
expense of $288,000 and $47,000, respectively.
2.
Interest rate spread represents
the difference between the weighted average yield on
interest-earning assets and the weighted average cost of
interest-bearing liabilities.
3.
Net interest margin represents
net interest income divided by average total interest-earning
assets.
Rate/Volume Analysis
The following table sets forth the effects of changing rates and
volumes on net interest income. The rate column shows the effects
attributable to changes in rate (changes in rate multiplied by
prior volume). The volume column shows the effects attributable to
changes in volume (changes in volume multiplied by prior rate). The
net column represents the sum of the prior columns. Changes
attributable to changes in both rate and volume that cannot be
segregated have been allocated proportionally based on the changes
due to rate and the changes due to volume.
Three Months Ended March
31,
2024 Compared to Three
Months Ended March 31,
2023
Increase (Decrease) Due
to
Volume
Rate
Net
(In thousands)
(unaudited)
Interest income:
Cash and cash equivalents
$
14
$
31
$
45
Loans receivable
(314
)
822
508
Securities
33
400
433
Other interest earning assets
68
(10
)
58
Total interest-earning assets
(199
)
1,243
1,044
Interest expense:
NOW and money market accounts
(639
)
$
593
$
(46
)
Savings accounts
(92
)
220
128
Certificates of deposit
89
2,084
2,173
Federal Home Loan Bank advances
524
139
663
Total interest-bearing liabilities
(118
)
3,036
2,918
Net increase (decrease) in net interest
income
$
(81
)
$
(1,793
)
$
(1,874
)
View source
version on businesswire.com: https://www.businesswire.com/news/home/20240430813060/en/
Kevin Pace – President & CEO, 201-862-0660 ext. 1110
Bogota Financial (NASDAQ:BSBK)
과거 데이터 주식 차트
부터 11월(11) 2024 으로 12월(12) 2024
Bogota Financial (NASDAQ:BSBK)
과거 데이터 주식 차트
부터 12월(12) 2023 으로 12월(12) 2024
