Call reports 2012
BAC COMMUNITY BANK — 2012
What BAC COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 471,986,000 | 469,805,000 | 461,418,000 | 501,225,000 |
| Total loans | 335,041,000 | 330,099,000 | 318,963,000 | 316,198,000 |
| Allowance for loan losses | 4,774,000 | 5,462,000 | 5,474,000 | 6,209,000 |
| Securities available for sale | 83,964,000 | 86,669,000 | 90,921,000 | 99,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,618,000 | 404,999,000 | 396,896,000 | 437,103,000 |
| Interest-bearing deposits | 276,099,000 | 270,509,000 | 262,021,000 | 289,188,000 |
| Noninterest-bearing deposits | 131,519,000 | 134,490,000 | 134,875,000 | 147,915,000 |
| Equity capital | 46,599,000 | 46,798,000 | 46,824,000 | 45,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,191,000 | 10,244,000 | 15,188,000 | 20,008,000 |
| Interest expense | 390,000 | 741,000 | 1,063,000 | 1,388,000 |
| Net interest income | 4,801,000 | 9,503,000 | 14,125,000 | 18,620,000 |
| Noninterest income | 520,000 | 1,038,000 | 1,560,000 | 2,042,000 |
| Noninterest expense | 3,942,000 | 7,854,000 | 11,677,000 | 16,053,000 |
| Provision for loan losses | 1,349,000 | 2,867,000 | 4,167,000 | 5,117,000 |
| Pretax income | 30,000 | 159,000 | 137,000 | 779,000 |
| Income tax | 17,000 | 18,000 | 18,000 | 28,000 |
| Net income | 13,000 | 141,000 | 119,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,551,000 | 44,706,000 | 44,568,000 | 45,085,000 |
| Total capital | 49,129,000 | 49,213,000 | 48,960,000 | 49,467,000 |
| Risk-weighted assets | 365,936,000 | 359,377,000 | 349,975,000 | 348,462,000 |