Call reports 2015
ACADEMY BANK, N.A. — 2015
What ACADEMY BANK, N.A. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 309,140,000 | 873,340,000 | 887,653,000 | 972,566,000 |
| Total loans | 137,523,000 | 553,959,000 | 578,010,000 | 605,353,000 |
| Allowance for loan losses | 2,943,000 | 12,781,000 | 12,739,000 | 11,561,000 |
| Securities available for sale | 94,695,000 | 208,161,000 | 198,767,000 | 187,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,416,000 | 600,891,000 | 597,318,000 | 682,454,000 |
| Interest-bearing deposits | 177,893,000 | 443,501,000 | 445,222,000 | 514,326,000 |
| Noninterest-bearing deposits | 76,523,000 | 157,390,000 | 152,096,000 | 168,128,000 |
| Equity capital | 47,891,000 | 173,963,000 | 177,629,000 | 177,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,905,000 | 6,097,000 | 13,988,000 | 22,202,000 |
| Interest expense | 120,000 | 432,000 | 1,215,000 | 2,174,000 |
| Net interest income | 1,785,000 | 5,665,000 | 12,773,000 | 20,028,000 |
| Noninterest income | 7,025,000 | 18,407,000 | 34,115,000 | 48,105,000 |
| Noninterest expense | 6,733,000 | 19,145,000 | 36,452,000 | 54,276,000 |
| Provision for loan losses | 0 | 470,000 | 1,270,000 | 1,870,000 |
| Pretax income | 2,077,000 | 4,457,000 | 9,166,000 | 11,987,000 |
| Income tax | 812,000 | 1,739,000 | 3,576,000 | 5,247,000 |
| Net income | 1,265,000 | 2,718,000 | 5,590,000 | 6,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,902,000 | 161,756,000 | 165,922,000 | 167,264,000 |
| Total capital | 49,032,000 | 169,639,000 | 174,099,000 | 175,696,000 |
| Risk-weighted assets | 168,437,000 | 618,097,000 | 642,027,000 | 664,588,000 |