Call reports 2004
BAC COMMUNITY BANK — 2004
What BAC COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 325,379,000 | 332,606,000 | 347,151,000 | 360,456,000 |
| Total loans | 161,621,000 | 166,293,000 | 177,409,000 | 189,228,000 |
| Allowance for loan losses | 2,071,000 | 2,074,000 | 2,076,000 | 2,143,000 |
| Securities available for sale | 113,815,000 | 129,009,000 | 129,127,000 | 143,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,722,000 | 309,015,000 | 319,222,000 | 332,371,000 |
| Interest-bearing deposits | 188,875,000 | 191,575,000 | 205,726,000 | 297,493,000 |
| Noninterest-bearing deposits | 109,847,000 | 117,440,000 | 113,496,000 | 34,878,000 |
| Equity capital | 25,208,000 | 21,597,000 | 25,062,000 | 25,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,736,000 | 7,643,000 | 11,739,000 | 16,151,000 |
| Interest expense | 405,000 | 813,000 | 1,250,000 | 1,742,000 |
| Net interest income | 3,331,000 | 6,830,000 | 10,489,000 | 14,409,000 |
| Noninterest income | 872,000 | 1,710,000 | 2,386,000 | 3,085,000 |
| Noninterest expense | 2,807,000 | 5,476,000 | 8,078,000 | 10,846,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,396,000 | 3,064,000 | 4,758,000 | 6,610,000 |
| Income tax | 18,000 | 43,000 | 68,000 | 95,000 |
| Net income | 1,378,000 | 3,021,000 | 4,690,000 | 6,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,207,000 | 21,228,000 | 22,326,000 | 23,529,000 |
| Total capital | 23,298,000 | 23,322,000 | 24,422,000 | 25,692,000 |
| Risk-weighted assets | 203,277,000 | 204,624,000 | 219,315,000 | 229,163,000 |