Call reports 2004
ACADEMY BANK, N.A. — 2004
What ACADEMY BANK, N.A. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 90,745,000 | 90,980,000 | 98,349,000 | 106,194,000 |
| Total loans | 43,096,000 | 50,476,000 | 66,080,000 | 74,972,000 |
| Allowance for loan losses | 1,040,000 | 1,233,000 | 1,390,000 | 1,551,000 |
| Securities available for sale | 5,249,000 | 5,317,000 | 5,079,000 | 4,289,000 |
| Securities held to maturity | 5,015,000 | 5,000,000 | 4,609,000 | 4,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,808,000 | 74,619,000 | 81,016,000 | 87,290,000 |
| Interest-bearing deposits | 55,048,000 | 56,157,000 | 59,733,000 | 61,399,000 |
| Noninterest-bearing deposits | 19,760,000 | 18,462,000 | 21,283,000 | 25,891,000 |
| Equity capital | 15,056,000 | 15,402,000 | 16,099,000 | 16,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 804,000 | 1,646,000 | 2,684,000 | 3,929,000 |
| Interest expense | 81,000 | 161,000 | 255,000 | 382,000 |
| Net interest income | 723,000 | 1,485,000 | 2,429,000 | 3,547,000 |
| Noninterest income | 2,080,000 | 4,700,000 | 7,812,000 | 11,354,000 |
| Noninterest expense | 2,000,000 | 4,496,000 | 7,096,000 | 9,902,000 |
| Provision for loan losses | 260,000 | 560,000 | 945,000 | 1,395,000 |
| Pretax income | 543,000 | 1,129,000 | 2,200,000 | 3,604,000 |
| Income tax | 190,000 | 397,000 | 786,000 | 1,296,000 |
| Net income | 353,000 | 732,000 | 1,414,000 | 2,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,956,000 | 15,335,000 | 16,017,000 | 16,911,000 |
| Total capital | 15,640,000 | 16,103,000 | 16,977,000 | 17,993,000 |
| Risk-weighted assets | 54,550,000 | 61,109,000 | 76,413,000 | 86,103,000 |
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