Call reports 2003
BAC COMMUNITY BANK — 2003
What BAC COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 284,742,000 | 299,170,000 | 327,748,000 | 308,076,000 |
| Total loans | 140,171,000 | 149,274,000 | 150,383,000 | 154,992,000 |
| Allowance for loan losses | 1,754,000 | 1,761,000 | 1,769,000 | 2,086,000 |
| Securities available for sale | 96,305,000 | 99,859,000 | 118,434,000 | 114,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,895,000 | 274,991,000 | 299,024,000 | 283,092,000 |
| Interest-bearing deposits | 174,749,000 | 181,588,000 | 202,781,000 | 179,317,000 |
| Noninterest-bearing deposits | 86,146,000 | 93,403,000 | 96,243,000 | 103,775,000 |
| Equity capital | 21,099,000 | 21,703,000 | 21,854,000 | 21,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,505,000 | 7,060,000 | 10,658,000 | 14,517,000 |
| Interest expense | 498,000 | 989,000 | 1,458,000 | 1,908,000 |
| Net interest income | 3,007,000 | 6,071,000 | 9,200,000 | 12,609,000 |
| Noninterest income | 488,000 | 1,006,000 | 1,503,000 | 2,011,000 |
| Noninterest expense | 2,552,000 | 5,278,000 | 7,962,000 | 10,887,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,219,000 | 2,077,000 | 3,019,000 | 4,553,000 |
| Income tax | 468,000 | 796,000 | 1,151,000 | 1,750,000 |
| Net income | 751,000 | 1,281,000 | 1,868,000 | 2,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,962,000 | 18,444,000 | 18,986,000 | 19,875,000 |
| Total capital | 19,716,000 | 20,205,000 | 20,755,000 | 21,961,000 |
| Risk-weighted assets | 178,848,000 | 189,778,000 | 197,346,000 | 193,261,000 |