Call reports 2016
BAC COMMUNITY BANK — 2016
What BAC COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 547,016,000 | 550,951,000 | 586,965,000 | 582,733,000 |
| Total loans | 327,140,000 | 323,364,000 | 335,505,000 | 336,909,000 |
| Allowance for loan losses | 5,411,000 | 5,366,000 | 5,372,000 | 5,385,000 |
| Securities available for sale | 164,055,000 | 171,757,000 | 166,327,000 | 178,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,471,000 | 492,336,000 | 526,973,000 | 524,723,000 |
| Interest-bearing deposits | 323,851,000 | 311,904,000 | 332,292,000 | 342,014,000 |
| Noninterest-bearing deposits | 166,620,000 | 180,432,000 | 194,681,000 | 182,709,000 |
| Equity capital | 53,079,000 | 55,219,000 | 56,435,000 | 54,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,309,000 | 8,886,000 | 13,394,000 | 18,147,000 |
| Interest expense | 132,000 | 248,000 | 375,000 | 515,000 |
| Net interest income | 4,177,000 | 8,638,000 | 13,019,000 | 17,632,000 |
| Noninterest income | 524,000 | 1,051,000 | 2,708,000 | 3,540,000 |
| Noninterest expense | 3,976,000 | 7,917,000 | 11,935,000 | 16,027,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 757,000 | 1,804,000 | 3,824,000 | 5,172,000 |
| Income tax | 0 | 0 | 0 | 21,000 |
| Net income | 757,000 | 1,804,000 | 3,824,000 | 5,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,205,000 | 51,951,000 | 53,651,000 | 54,648,000 |
| Total capital | 55,993,000 | 56,797,000 | 58,653,000 | 59,679,000 |
| Risk-weighted assets | 382,063,000 | 386,818,000 | 399,466,000 | 401,785,000 |