Call reports 2022
BAC COMMUNITY BANK — 2022
What BAC COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 844,405,000 | 819,619,000 | 862,933,000 | 828,225,000 |
| Total loans | 412,728,000 | 409,739,000 | 416,668,000 | 409,515,000 |
| Allowance for loan losses | 6,825,000 | 6,429,000 | 6,439,000 | 6,213,000 |
| Securities available for sale | 367,707,000 | 250,370,000 | 90,139,000 | 93,807,000 |
| Securities held to maturity | 0 | 109,672,000 | 249,292,000 | 246,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 782,818,000 | 766,586,000 | 806,412,000 | 767,707,000 |
| Interest-bearing deposits | 469,930,000 | 439,650,000 | 436,382,000 | 414,580,000 |
| Noninterest-bearing deposits | 312,888,000 | 326,936,000 | 370,030,000 | 353,127,000 |
| Equity capital | 54,533,000 | 45,621,000 | 48,789,000 | 51,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,012,000 | 12,032,000 | 18,317,000 | 25,172,000 |
| Interest expense | 245,000 | 469,000 | 662,000 | 871,000 |
| Net interest income | 5,767,000 | 11,563,000 | 17,655,000 | 24,301,000 |
| Noninterest income | 550,000 | 1,141,000 | 1,713,000 | 2,261,000 |
| Noninterest expense | 4,773,000 | 9,766,000 | 14,808,000 | 20,134,000 |
| Provision for loan losses | 0 | -400,000 | -400,000 | -650,000 |
| Pretax income | 1,548,000 | 3,342,000 | 4,951,000 | 6,846,000 |
| Income tax | 690,000 | 70,000 | 127,000 | 241,000 |
| Net income | 858,000 | 3,272,000 | 4,824,000 | 6,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,789,000 | 78,484,000 | 79,823,000 | 81,201,000 |
| Total capital | — | — | 86,290,000 | 87,596,000 |
| Risk-weighted assets | — | — | 517,248,000 | 515,906,000 |