Call reports 2008
ACADEMY BANK, N.A. — 2008
What ACADEMY BANK, N.A. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 381,410,000 | 367,762,000 | 355,424,000 | 433,945,000 |
| Total loans | 262,525,000 | 302,169,000 | 294,369,000 | 286,412,000 |
| Allowance for loan losses | 3,938,000 | 5,396,000 | 6,278,000 | 8,448,000 |
| Securities available for sale | 36,703,000 | 35,529,000 | 35,133,000 | 31,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,120,000 | 322,483,000 | 307,568,000 | 385,577,000 |
| Interest-bearing deposits | 289,453,000 | 276,708,000 | 264,560,000 | 341,693,000 |
| Noninterest-bearing deposits | 47,667,000 | 45,775,000 | 43,008,000 | 43,884,000 |
| Equity capital | 36,055,000 | 38,117,000 | 39,014,000 | 40,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,348,000 | 10,584,000 | 15,848,000 | 20,772,000 |
| Interest expense | 2,650,000 | 5,254,000 | 7,459,000 | 9,865,000 |
| Net interest income | 2,698,000 | 5,330,000 | 8,389,000 | 10,907,000 |
| Noninterest income | 7,577,000 | 15,974,000 | 24,670,000 | 32,913,000 |
| Noninterest expense | 5,311,000 | 10,935,000 | 16,575,000 | 21,881,000 |
| Provision for loan losses | 1,250,000 | 2,750,000 | 4,250,000 | 7,250,000 |
| Pretax income | 3,837,000 | 7,742,000 | 12,357,000 | 14,826,000 |
| Income tax | 1,428,000 | 2,881,000 | 4,600,000 | 5,513,000 |
| Net income | 2,409,000 | 4,861,000 | 7,757,000 | 9,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,552,000 | 37,021,000 | 37,945,000 | 39,530,000 |
| Total capital | 38,026,000 | 40,980,000 | 41,815,000 | 43,300,000 |
| Risk-weighted assets | 288,635,000 | 315,240,000 | 307,118,000 | 296,672,000 |
Machine access — free, no API key
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