Call reports 2014
BAC COMMUNITY BANK — 2014
What BAC COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 499,995,000 | 491,510,000 | 491,499,000 | 488,159,000 |
| Total loans | 302,965,000 | 302,208,000 | 314,541,000 | 313,305,000 |
| Allowance for loan losses | 5,641,000 | 5,792,000 | 5,757,000 | 5,608,000 |
| Securities available for sale | 137,196,000 | 138,640,000 | 142,476,000 | 136,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,514,000 | 426,842,000 | 425,930,000 | 419,898,000 |
| Interest-bearing deposits | 288,689,000 | 277,258,000 | 269,876,000 | 257,416,000 |
| Noninterest-bearing deposits | 148,825,000 | 149,584,000 | 156,054,000 | 162,482,000 |
| Equity capital | 44,479,000 | 46,451,000 | 47,406,000 | 49,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,370,000 | 8,761,000 | 13,252,000 | 17,657,000 |
| Interest expense | 227,000 | 444,000 | 654,000 | 863,000 |
| Net interest income | 4,143,000 | 8,317,000 | 12,598,000 | 16,794,000 |
| Noninterest income | 556,000 | 1,253,000 | 1,823,000 | 2,337,000 |
| Noninterest expense | 3,895,000 | 7,680,000 | 11,611,000 | 15,251,000 |
| Provision for loan losses | 150,000 | 300,000 | 150,000 | 0 |
| Pretax income | 654,000 | 1,588,000 | 2,683,000 | 3,903,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 654,000 | 1,588,000 | 2,683,000 | 3,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,326,000 | 48,010,000 | 48,655,000 | 49,434,000 |
| Total capital | 52,706,000 | 52,372,000 | 53,090,000 | 53,893,000 |
| Risk-weighted assets | 348,838,000 | 347,158,000 | 354,789,000 | 355,327,000 |