Call reports 2005
BAC COMMUNITY BANK — 2005
What BAC COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 365,928,000 | 377,532,000 | 385,014,000 | 373,446,000 |
| Total loans | 203,406,000 | 214,462,000 | 227,804,000 | 233,097,000 |
| Allowance for loan losses | 2,137,000 | 1,936,000 | 1,937,000 | 1,944,000 |
| Securities available for sale | 131,266,000 | 134,668,000 | 113,124,000 | 108,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,165,000 | 336,349,000 | 354,881,000 | 339,081,000 |
| Interest-bearing deposits | 274,691,000 | 279,088,000 | 324,733,000 | 307,715,000 |
| Noninterest-bearing deposits | 63,474,000 | 57,261,000 | 30,148,000 | 31,366,000 |
| Equity capital | 25,551,000 | 28,325,000 | 28,179,000 | 28,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,599,000 | 9,525,000 | 14,634,000 | 19,946,000 |
| Interest expense | 548,000 | 1,201,000 | 1,953,000 | 2,703,000 |
| Net interest income | 4,051,000 | 8,324,000 | 12,681,000 | 17,243,000 |
| Noninterest income | 706,000 | 1,389,000 | 2,136,000 | 2,855,000 |
| Noninterest expense | 2,800,000 | 6,053,000 | 9,123,000 | 12,385,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,957,000 | 3,660,000 | 5,894,000 | 7,913,000 |
| Income tax | 67,000 | 132,000 | 208,000 | 277,000 |
| Net income | 1,890,000 | 3,528,000 | 5,686,000 | 7,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,709,000 | 25,636,000 | 27,081,000 | 28,321,000 |
| Total capital | 26,866,000 | 27,772,000 | 29,218,000 | 30,465,000 |
| Risk-weighted assets | 251,733,000 | 267,253,000 | 277,543,000 | 282,067,000 |