Call reports 2012
ACADEMY BANK, N.A. — 2012
What ACADEMY BANK, N.A. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 298,816,000 | 289,226,000 | 291,514,000 | 294,559,000 |
| Total loans | 107,454,000 | 101,205,000 | 97,757,000 | 87,842,000 |
| Allowance for loan losses | 10,081,000 | 9,314,000 | 7,657,000 | 7,513,000 |
| Securities available for sale | 84,487,000 | 91,782,000 | 90,480,000 | 105,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,299,000 | 222,452,000 | 223,115,000 | 225,137,000 |
| Interest-bearing deposits | 172,649,000 | 169,457,000 | 170,432,000 | 174,304,000 |
| Noninterest-bearing deposits | 59,650,000 | 52,995,000 | 52,683,000 | 50,833,000 |
| Equity capital | 56,354,000 | 58,705,000 | 60,638,000 | 60,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,300,000 | 4,725,000 | 5,938,000 |
| Interest expense | 167,000 | 326,000 | 491,000 | 655,000 |
| Net interest income | 1,545,000 | 2,974,000 | 4,234,000 | 5,283,000 |
| Noninterest income | 5,951,000 | 14,141,000 | 21,645,000 | 28,485,000 |
| Noninterest expense | 5,977,000 | 12,333,000 | 18,724,000 | 25,280,000 |
| Provision for loan losses | 160,000 | 160,000 | 160,000 | 1,100,000 |
| Pretax income | 1,359,000 | 4,622,000 | 6,995,000 | 7,388,000 |
| Income tax | 531,000 | 1,802,000 | 2,728,000 | 2,883,000 |
| Net income | 828,000 | 2,820,000 | 4,267,000 | 4,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,011,000 | 57,029,000 | 58,504,000 | 58,770,000 |
| Total capital | 56,939,000 | 58,893,000 | 60,284,000 | 60,447,000 |
| Risk-weighted assets | 143,949,000 | 138,892,000 | 133,245,000 | 125,707,000 |