Call reports 2013
ACADEMY BANK, N.A. — 2013
What ACADEMY BANK, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 306,583,000 | 297,343,000 | 292,229,000 | 299,517,000 |
| Total loans | 79,190,000 | 88,113,000 | 87,832,000 | 95,848,000 |
| Allowance for loan losses | 5,937,000 | 5,786,000 | 4,998,000 | 3,731,000 |
| Securities available for sale | 103,928,000 | 126,950,000 | 121,901,000 | 117,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,450,000 | 229,862,000 | 224,511,000 | 230,559,000 |
| Interest-bearing deposits | 176,989,000 | 173,754,000 | 166,453,000 | 173,990,000 |
| Noninterest-bearing deposits | 61,461,000 | 56,108,000 | 58,058,000 | 56,569,000 |
| Equity capital | 61,305,000 | 60,613,000 | 61,674,000 | 63,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,204,000 | 2,503,000 | 3,922,000 | 5,659,000 |
| Interest expense | 156,000 | 296,000 | 426,000 | 541,000 |
| Net interest income | 1,048,000 | 2,207,000 | 3,496,000 | 5,118,000 |
| Noninterest income | 7,865,000 | 15,877,000 | 23,938,000 | 31,746,000 |
| Noninterest expense | 6,667,000 | 13,531,000 | 20,240,000 | 26,988,000 |
| Provision for loan losses | 850,000 | 1,300,000 | 2,100,000 | 2,600,000 |
| Pretax income | 1,396,000 | 3,253,000 | 5,094,000 | 7,276,000 |
| Income tax | 546,000 | 1,271,000 | 1,990,000 | 1,918,000 |
| Net income | 850,000 | 1,982,000 | 3,104,000 | 5,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,647,000 | 60,806,000 | 61,956,000 | 64,220,000 |
| Total capital | 61,189,000 | 62,482,000 | 63,622,000 | 65,892,000 |
| Risk-weighted assets | 116,738,000 | 129,694,000 | 129,877,000 | 131,664,000 |
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