Call reports 2006
BAC COMMUNITY BANK — 2006
What BAC COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 380,475,000 | 391,474,000 | 402,744,000 | 419,859,000 |
| Total loans | 250,096,000 | 268,255,000 | 283,594,000 | 296,283,000 |
| Allowance for loan losses | 1,935,000 | 1,939,000 | 1,947,000 | 1,943,000 |
| Securities available for sale | 95,793,000 | 86,164,000 | 87,582,000 | 88,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,471,000 | 348,429,000 | 349,777,000 | 352,340,000 |
| Interest-bearing deposits | 265,592,000 | 259,485,000 | 290,000,000 | 314,642,000 |
| Noninterest-bearing deposits | 83,879,000 | 88,944,000 | 59,777,000 | 37,698,000 |
| Equity capital | 28,921,000 | 29,727,000 | 32,389,000 | 33,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,539,000 | 11,388,000 | 17,607,000 | 23,970,000 |
| Interest expense | 865,000 | 1,878,000 | 3,378,000 | 5,154,000 |
| Net interest income | 4,674,000 | 9,510,000 | 14,229,000 | 18,816,000 |
| Noninterest income | 751,000 | 2,003,000 | 2,806,000 | 3,639,000 |
| Noninterest expense | 3,414,000 | 6,727,000 | 10,260,000 | 13,671,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 1,977,000 | 4,755,000 | 6,714,000 | 8,693,000 |
| Income tax | 67,000 | 165,000 | 233,000 | 305,000 |
| Net income | 1,910,000 | 4,590,000 | 6,481,000 | 8,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,519,000 | 31,168,000 | 32,181,000 | 33,211,000 |
| Total capital | 31,654,000 | 33,307,000 | 34,328,000 | 35,354,000 |
| Risk-weighted assets | 298,132,000 | 313,280,000 | 331,041,000 | 345,005,000 |