Call reports 2013
NORTH AMERICAN SAVINGS BANK, FSB — 2013
What NORTH AMERICAN SAVINGS BANK, FSB 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 | 1,158,922,000 | 1,123,003,000 | 1,124,610,000 | 1,161,463,000 |
| Total loans | 802,726,000 | 800,390,000 | 784,949,000 | 803,261,000 |
| Allowance for loan losses | 20,726,000 | 20,650,000 | 20,383,000 | 21,270,000 |
| Securities available for sale | 245,524,000 | 240,191,000 | 253,129,000 | 277,271,000 |
| Securities held to maturity | 11,808,000 | 10,398,000 | 43,076,000 | 38,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 823,649,000 | 810,282,000 | 758,621,000 | 747,351,000 |
| Interest-bearing deposits | 790,702,000 | 768,745,000 | 718,092,000 | 707,037,000 |
| Noninterest-bearing deposits | 32,947,000 | 41,537,000 | 40,529,000 | 40,314,000 |
| Equity capital | 194,586,000 | 195,089,000 | 200,221,000 | 195,844,000 |
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 | 13,049,000 | 25,431,000 | 37,527,000 | 50,048,000 |
| Interest expense | 1,872,000 | 3,542,000 | 5,014,000 | 6,410,000 |
| Net interest income | 11,177,000 | 21,889,000 | 32,513,000 | 43,638,000 |
| Noninterest income | 21,089,000 | 34,228,000 | 51,461,000 | 59,772,000 |
| Noninterest expense | 19,791,000 | 40,359,000 | 57,309,000 | 73,652,000 |
| Provision for loan losses | -5,600,000 | -5,600,000 | -5,600,000 | -5,600,000 |
| Pretax income | 18,332,000 | 21,615,000 | 32,522,000 | 35,713,000 |
| Income tax | 7,058,000 | 8,322,000 | 12,521,000 | 13,638,000 |
| Net income | 11,274,000 | 13,293,000 | 20,001,000 | 22,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,472,000 | 192,518,000 | 199,250,000 | 195,704,000 |
| Total capital | 202,832,000 | 203,921,000 | 209,836,000 | 206,597,000 |
| Risk-weighted assets | 980,456,000 | 902,980,000 | 837,102,000 | 861,098,000 |