Call reports 2013
BAC COMMUNITY BANK — 2013
What BAC COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 493,807,000 | 496,032,000 | 502,257,000 | 494,090,000 |
| Total loans | 317,387,000 | 316,328,000 | 309,439,000 | 303,389,000 |
| Allowance for loan losses | 6,379,000 | 6,268,000 | 6,427,000 | 6,267,000 |
| Securities available for sale | 119,181,000 | 127,782,000 | 135,966,000 | 137,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,245,000 | 424,051,000 | 441,636,000 | 433,010,000 |
| Interest-bearing deposits | 282,945,000 | 285,197,000 | 285,735,000 | 281,787,000 |
| Noninterest-bearing deposits | 147,300,000 | 138,854,000 | 155,901,000 | 151,223,000 |
| Equity capital | 45,700,000 | 43,157,000 | 42,658,000 | 43,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,618,000 | 9,279,000 | 13,950,000 | 18,537,000 |
| Interest expense | 311,000 | 580,000 | 826,000 | 1,066,000 |
| Net interest income | 4,307,000 | 8,699,000 | 13,124,000 | 17,471,000 |
| Noninterest income | 493,000 | 1,032,000 | 1,933,000 | 2,659,000 |
| Noninterest expense | 3,601,000 | 7,538,000 | 11,315,000 | 15,447,000 |
| Provision for loan losses | 300,000 | 530,000 | 880,000 | 760,000 |
| Pretax income | 893,000 | 1,657,000 | 2,853,000 | 3,914,000 |
| Income tax | 10,000 | 10,000 | 10,000 | 10,000 |
| Net income | 883,000 | 1,647,000 | 2,843,000 | 3,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,719,000 | 46,182,000 | 47,134,000 | 47,874,000 |
| Total capital | 50,147,000 | 50,687,000 | 51,583,000 | 52,251,000 |
| Risk-weighted assets | 351,963,000 | 358,369,000 | 353,668,000 | 348,041,000 |