Call reports 2010
BAC COMMUNITY BANK — 2010
What BAC COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 457,883,000 | 469,707,000 | 474,319,000 | 472,160,000 |
| Total loans | 351,994,000 | 350,545,000 | 357,957,000 | 354,920,000 |
| Allowance for loan losses | 4,324,000 | 4,352,000 | 4,377,000 | 4,331,000 |
| Securities available for sale | 52,090,000 | 55,689,000 | 60,277,000 | 61,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,893,000 | 390,788,000 | 409,385,000 | 407,354,000 |
| Interest-bearing deposits | 281,206,000 | 275,740,000 | 294,227,000 | 288,713,000 |
| Noninterest-bearing deposits | 113,687,000 | 115,048,000 | 115,158,000 | 118,641,000 |
| Equity capital | 44,628,000 | 45,442,000 | 46,499,000 | 45,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,905,000 | 11,755,000 | 17,707,000 | 23,628,000 |
| Interest expense | 681,000 | 1,351,000 | 2,010,000 | 2,571,000 |
| Net interest income | 5,224,000 | 10,404,000 | 15,697,000 | 21,057,000 |
| Noninterest income | 569,000 | 1,181,000 | 1,757,000 | 2,324,000 |
| Noninterest expense | 3,978,000 | 7,955,000 | 11,985,000 | 16,144,000 |
| Provision for loan losses | 609,000 | 884,000 | 1,217,000 | 1,896,000 |
| Pretax income | 1,206,000 | 2,749,000 | 4,252,000 | 5,342,000 |
| Income tax | 40,000 | 70,000 | 92,000 | 116,000 |
| Net income | 1,166,000 | 2,679,000 | 4,160,000 | 5,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,872,000 | 43,661,000 | 44,406,000 | 44,821,000 |
| Total capital | 47,246,000 | 48,116,000 | 48,866,000 | 49,249,000 |
| Risk-weighted assets | 381,750,000 | 380,563,000 | 388,823,000 | 384,159,000 |