Call reports 2015
BAC COMMUNITY BANK — 2015
What BAC COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 517,525,000 | 504,070,000 | 524,659,000 | 534,112,000 |
| Total loans | 303,580,000 | 303,657,000 | 307,974,000 | 304,682,000 |
| Allowance for loan losses | 5,564,000 | 5,632,000 | 5,731,000 | 5,361,000 |
| Securities available for sale | 141,715,000 | 155,230,000 | 150,041,000 | 161,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,161,000 | 451,214,000 | 470,768,000 | 479,544,000 |
| Interest-bearing deposits | 283,241,000 | 297,992,000 | 302,788,000 | 307,135,000 |
| Noninterest-bearing deposits | 164,920,000 | 153,222,000 | 167,980,000 | 172,409,000 |
| Equity capital | 51,030,000 | 49,281,000 | 50,740,000 | 50,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,389,000 | 8,701,000 | 13,055,000 | 17,459,000 |
| Interest expense | 199,000 | 399,000 | 525,000 | 655,000 |
| Net interest income | 4,190,000 | 8,302,000 | 12,530,000 | 16,804,000 |
| Noninterest income | 572,000 | 1,135,000 | 1,635,000 | 2,243,000 |
| Noninterest expense | 3,720,000 | 7,697,000 | 11,570,000 | 15,814,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 1,042,000 | 1,740,000 | 2,595,000 | 3,283,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,042,000 | 1,740,000 | 2,595,000 | 3,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,477,000 | 50,075,000 | 50,115,000 | 50,448,000 |
| Total capital | 54,901,000 | 54,550,000 | 54,607,000 | 54,953,000 |
| Risk-weighted assets | 352,468,000 | 356,558,000 | 357,854,000 | 359,190,000 |