Call reports 2012
NORTH AMERICAN SAVINGS BANK, FSB — 2012
What NORTH AMERICAN SAVINGS BANK, FSB 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 | 1,171,562,000 | 1,200,655,000 | 1,220,588,000 | 1,232,230,000 |
| Total loans | 1,000,493,000 | 931,059,000 | 930,642,000 | 887,515,000 |
| Allowance for loan losses | 36,797,000 | 34,816,000 | 31,828,000 | 27,852,000 |
| Securities available for sale | 85,997,000 | 191,108,000 | 214,744,000 | 266,850,000 |
| Securities held to maturity | 32,779,000 | 28,568,000 | 25,921,000 | 23,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 877,290,000 | 874,322,000 | 902,691,000 | 880,672,000 |
| Interest-bearing deposits | 846,602,000 | 842,641,000 | 877,100,000 | 852,902,000 |
| Noninterest-bearing deposits | 30,688,000 | 31,681,000 | 25,591,000 | 27,770,000 |
| Equity capital | 160,020,000 | 164,868,000 | 175,352,000 | 183,873,000 |
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 | 15,384,000 | 30,380,000 | 44,838,000 | 58,685,000 |
| Interest expense | 2,976,000 | 5,851,000 | 8,415,000 | 10,671,000 |
| Net interest income | 12,408,000 | 24,529,000 | 36,423,000 | 48,014,000 |
| Noninterest income | 9,350,000 | 26,427,000 | 47,827,000 | 66,970,000 |
| Noninterest expense | 15,733,000 | 33,412,000 | 53,810,000 | 74,755,000 |
| Provision for loan losses | 5,000,000 | 8,000,000 | 8,000,000 | 4,000,000 |
| Pretax income | 1,025,000 | 9,512,000 | 22,408,000 | 36,197,000 |
| Income tax | 398,000 | 3,662,000 | 8,627,000 | 13,936,000 |
| Net income | 627,000 | 5,850,000 | 13,781,000 | 22,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,507,000 | 162,755,000 | 170,712,000 | 179,218,000 |
| Total capital | 170,708,000 | 175,552,000 | 183,526,000 | 192,043,000 |
| Risk-weighted assets | 1,032,494,000 | 1,001,712,000 | 1,007,066,000 | 1,010,940,000 |