Call reports 2007
ACADEMY BANK, N.A. — 2007
What ACADEMY BANK, N.A. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 251,817,000 | 260,613,000 | 274,298,000 | 328,536,000 |
| Total loans | 162,774,000 | 165,636,000 | 222,784,000 | 251,895,000 |
| Allowance for loan losses | 3,080,000 | 3,255,000 | 3,425,000 | 3,193,000 |
| Securities available for sale | 22,245,000 | 26,086,000 | 26,210,000 | 26,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,252,000 | 225,917,000 | 232,540,000 | 287,518,000 |
| Interest-bearing deposits | 177,131,000 | 184,437,000 | 190,458,000 | 245,752,000 |
| Noninterest-bearing deposits | 42,121,000 | 41,480,000 | 42,082,000 | 41,766,000 |
| Equity capital | 26,911,000 | 29,769,000 | 32,805,000 | 35,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,604,000 | 7,779,000 | 12,253,000 | 17,228,000 |
| Interest expense | 1,414,000 | 3,164,000 | 5,005,000 | 7,257,000 |
| Net interest income | 2,190,000 | 4,615,000 | 7,248,000 | 9,971,000 |
| Noninterest income | 6,720,000 | 14,421,000 | 22,135,000 | 29,905,000 |
| Noninterest expense | 4,563,000 | 9,427,000 | 14,382,000 | 19,536,000 |
| Provision for loan losses | 650,000 | 1,225,000 | 1,950,000 | 3,300,000 |
| Pretax income | 3,697,000 | 8,384,000 | 13,051,000 | 17,040,000 |
| Income tax | 1,375,000 | 3,121,000 | 4,861,000 | 6,345,000 |
| Net income | 2,322,000 | 5,263,000 | 8,190,000 | 10,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,862,000 | 29,798,000 | 32,730,000 | 35,235,000 |
| Total capital | 29,198,000 | 32,207,000 | 35,694,000 | 38,412,000 |
| Risk-weighted assets | 186,074,000 | 191,853,000 | 236,737,000 | 269,983,000 |
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