Call reports 2018
ACADEMY BANK, N.A. — 2018
What ACADEMY BANK, N.A. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,306,266,000 | 1,299,900,000 | 1,337,594,000 | 1,462,159,000 |
| Total loans | 942,404,000 | 955,848,000 | 1,019,561,000 | 1,094,007,000 |
| Allowance for loan losses | 12,792,000 | 13,340,000 | 14,124,000 | 14,396,000 |
| Securities available for sale | 167,165,000 | 173,488,000 | 163,819,000 | 157,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 985,343,000 | 981,600,000 | 1,013,231,000 | 1,150,774,000 |
| Interest-bearing deposits | 746,020,000 | 751,583,000 | 773,569,000 | 934,502,000 |
| Noninterest-bearing deposits | 239,323,000 | 230,017,000 | 239,662,000 | 216,272,000 |
| Equity capital | 208,124,000 | 213,128,000 | 217,691,000 | 222,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 13,154,000 | 27,076,000 | 42,151,000 | 58,444,000 |
| Interest expense | 2,139,000 | 4,522,000 | 7,293,000 | 10,914,000 |
| Net interest income | 11,015,000 | 22,554,000 | 34,858,000 | 47,530,000 |
| Noninterest income | 15,620,000 | 31,530,000 | 47,353,000 | 61,477,000 |
| Noninterest expense | 18,164,000 | 35,930,000 | 54,768,000 | 74,706,000 |
| Provision for loan losses | 2,500,000 | 4,600,000 | 7,100,000 | 9,100,000 |
| Pretax income | 5,971,000 | 13,554,000 | 20,343,000 | 25,201,000 |
| Income tax | 1,527,000 | 3,472,000 | 5,209,000 | 6,518,000 |
| Net income | 4,444,000 | 10,082,000 | 15,134,000 | 18,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 207,539,000 | 213,245,000 | 218,348,000 | 221,975,000 |
| Total capital | 220,381,000 | 226,240,000 | 232,194,000 | 236,608,000 |
| Risk-weighted assets | 1,027,060,000 | 1,038,950,000 | 1,107,146,000 | 1,170,565,000 |