Call reports 2015
NORTH AMERICAN SAVINGS BANK, FSB — 2015
What NORTH AMERICAN SAVINGS BANK, FSB 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 | 1,337,756,000 | 1,420,845,000 | 1,511,899,000 | 1,580,860,000 |
| Total loans | 1,079,998,000 | 1,112,427,000 | 1,220,745,000 | 1,261,894,000 |
| Allowance for loan losses | 16,986,000 | 13,867,000 | 14,242,000 | 14,766,000 |
| Securities available for sale | 134,767,000 | 179,923,000 | 231,908,000 | 250,623,000 |
| Securities held to maturity | 72,665,000 | 70,882,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 849,483,000 | 926,975,000 | 998,833,000 | 1,058,603,000 |
| Interest-bearing deposits | 813,317,000 | 882,876,000 | 941,949,000 | 1,001,605,000 |
| Noninterest-bearing deposits | 36,166,000 | 44,099,000 | 56,884,000 | 56,998,000 |
| Equity capital | 192,804,000 | 197,521,000 | 200,293,000 | 203,791,000 |
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 | 14,151,000 | 29,386,000 | 45,462,000 | 62,422,000 |
| Interest expense | 2,075,000 | 4,396,000 | 6,946,000 | 9,769,000 |
| Net interest income | 12,076,000 | 24,990,000 | 38,516,000 | 52,653,000 |
| Noninterest income | 12,396,000 | 28,828,000 | 40,147,000 | 53,420,000 |
| Noninterest expense | 17,961,000 | 36,979,000 | 55,260,000 | 72,503,000 |
| Provision for loan losses | 0 | -4,000,000 | -4,000,000 | -3,450,000 |
| Pretax income | 6,511,000 | 20,839,000 | 27,581,000 | 37,231,000 |
| Income tax | 2,279,000 | 7,294,000 | 9,630,000 | 13,160,000 |
| Net income | 4,232,000 | 13,545,000 | 17,951,000 | 24,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 189,435,000 | 195,137,000 | 197,931,000 | 202,440,000 |
| Total capital | 202,581,000 | 209,004,000 | 212,173,000 | 217,206,000 |
| Risk-weighted assets | 1,047,845,000 | 1,170,145,000 | 1,274,204,000 | 1,307,277,000 |