Call reports 2009
BAC COMMUNITY BANK — 2009
What BAC COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 432,399,000 | 428,272,000 | 441,688,000 | 447,668,000 |
| Total loans | 348,436,000 | 349,272,000 | 352,632,000 | 353,735,000 |
| Allowance for loan losses | 3,658,000 | 4,067,000 | 4,441,000 | 3,718,000 |
| Securities available for sale | 50,964,000 | 45,930,000 | 55,368,000 | 54,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,782,000 | 346,773,000 | 380,242,000 | 385,669,000 |
| Interest-bearing deposits | 237,107,000 | 238,233,000 | 270,809,000 | 270,505,000 |
| Noninterest-bearing deposits | 111,675,000 | 108,540,000 | 109,433,000 | 115,164,000 |
| Equity capital | 42,874,000 | 42,661,000 | 43,551,000 | 43,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,860,000 | 11,788,000 | 17,780,000 | 23,750,000 |
| Interest expense | 905,000 | 1,792,000 | 2,669,000 | 3,456,000 |
| Net interest income | 4,955,000 | 9,996,000 | 15,111,000 | 20,294,000 |
| Noninterest income | 633,000 | 1,325,000 | 1,988,000 | 2,633,000 |
| Noninterest expense | 3,741,000 | 7,632,000 | 11,776,000 | 15,732,000 |
| Provision for loan losses | 300,000 | 600,000 | 978,000 | 1,515,000 |
| Pretax income | 1,544,000 | 3,092,000 | 4,348,000 | 5,680,000 |
| Income tax | 46,000 | 96,000 | 132,000 | 172,000 |
| Net income | 1,498,000 | 2,996,000 | 4,216,000 | 5,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,461,000 | 41,277,000 | 41,384,000 | 41,965,000 |
| Total capital | 45,168,000 | 45,394,000 | 45,875,000 | 45,733,000 |
| Risk-weighted assets | 380,673,000 | 380,300,000 | 384,424,000 | 387,626,000 |