Call reports 2025
BAC COMMUNITY BANK — 2025
What BAC COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 791,420,000 | 788,427,000 | 787,498,000 | 786,267,000 |
| Total loans | 451,292,000 | 461,683,000 | 468,968,000 | 482,336,000 |
| Allowance for loan losses | 6,893,000 | 6,902,000 | 6,912,000 | 6,917,000 |
| Securities available for sale | 40,118,000 | 40,090,000 | 35,879,000 | 33,775,000 |
| Securities held to maturity | 225,754,000 | 223,312,000 | 220,963,000 | 216,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 704,214,000 | 692,977,000 | 689,979,000 | 670,923,000 |
| Interest-bearing deposits | 446,838,000 | 431,976,000 | 427,747,000 | 412,718,000 |
| Noninterest-bearing deposits | 257,376,000 | 261,001,000 | 262,232,000 | 258,205,000 |
| Equity capital | 68,332,000 | 70,403,000 | 72,487,000 | 73,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,579,000 | 15,524,000 | 23,469,000 | 31,327,000 |
| Interest expense | 1,871,000 | 3,741,000 | 5,600,000 | 7,445,000 |
| Net interest income | 5,708,000 | 11,783,000 | 17,869,000 | 23,882,000 |
| Noninterest income | 706,000 | 1,339,000 | 1,971,000 | 2,585,000 |
| Noninterest expense | 5,097,000 | 10,220,000 | 15,361,000 | 20,755,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,317,000 | 2,902,000 | 4,479,000 | 5,712,000 |
| Income tax | 42,000 | 93,000 | 145,000 | 195,000 |
| Net income | 1,275,000 | 2,809,000 | 4,334,000 | 5,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,904,000 | 86,974,000 | 88,009,000 | 88,362,000 |
| Total capital | 92,618,000 | 93,781,000 | 94,857,000 | 95,333,000 |
| Risk-weighted assets | 536,802,000 | 544,342,000 | 547,661,000 | 557,567,000 |