Call reports 2016
ACADEMY BANK, N.A. — 2016
What ACADEMY BANK, N.A. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,034,735,000 | 1,035,119,000 | 1,044,908,000 | 1,055,909,000 |
| Total loans | 633,405,000 | 659,249,000 | 632,254,000 | 697,296,000 |
| Allowance for loan losses | 11,558,000 | 10,828,000 | 10,882,000 | 10,282,000 |
| Securities available for sale | 174,664,000 | 220,951,000 | 209,376,000 | 190,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 741,785,000 | 737,806,000 | 744,245,000 | 766,098,000 |
| Interest-bearing deposits | 571,414,000 | 574,285,000 | 567,314,000 | 573,089,000 |
| Noninterest-bearing deposits | 170,371,000 | 163,521,000 | 176,931,000 | 193,009,000 |
| Equity capital | 180,627,000 | 182,865,000 | 184,631,000 | 182,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,536,000 | 17,345,000 | 26,433,000 | 35,548,000 |
| Interest expense | 1,187,000 | 2,498,000 | 3,886,000 | 5,229,000 |
| Net interest income | 7,349,000 | 14,847,000 | 22,547,000 | 30,319,000 |
| Noninterest income | 15,017,000 | 30,775,000 | 46,282,000 | 60,574,000 |
| Noninterest expense | 18,232,000 | 37,364,000 | 56,855,000 | 74,404,000 |
| Provision for loan losses | 1,100,000 | 2,100,000 | 4,150,000 | 5,650,000 |
| Pretax income | 3,055,000 | 6,179,000 | 7,845,000 | 10,860,000 |
| Income tax | 1,197,000 | 2,418,000 | 3,074,000 | 4,209,000 |
| Net income | 1,858,000 | 3,761,000 | 4,771,000 | 6,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,109,000 | 172,679,000 | 174,598,000 | 177,026,000 |
| Total capital | 178,732,000 | 181,717,000 | 183,391,000 | 186,723,000 |
| Risk-weighted assets | 680,834,000 | 715,548,000 | 696,428,000 | 772,394,000 |