Call reports 2016
NORTH AMERICAN SAVINGS BANK, FSB — 2016
What NORTH AMERICAN SAVINGS BANK, FSB 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 | 1,662,172,000 | 1,725,984,000 | 1,932,000,000 | 1,862,672,000 |
| Total loans | 1,357,012,000 | 1,432,094,000 | 1,602,889,000 | 1,545,053,000 |
| Allowance for loan losses | 15,196,000 | 15,700,000 | 16,756,000 | 16,507,000 |
| Securities available for sale | 247,313,000 | 230,237,000 | 240,101,000 | 246,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,111,357,000 | 1,138,394,000 | 1,298,041,000 | 1,260,602,000 |
| Interest-bearing deposits | 1,041,184,000 | 1,062,996,000 | 1,186,709,000 | 1,168,948,000 |
| Noninterest-bearing deposits | 70,173,000 | 75,398,000 | 111,332,000 | 91,654,000 |
| Equity capital | 205,770,000 | 210,376,000 | 217,000,000 | 223,346,000 |
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 | 17,933,000 | 36,674,000 | 57,705,000 | 79,665,000 |
| Interest expense | 3,041,000 | 6,234,000 | 9,818,000 | 13,549,000 |
| Net interest income | 14,892,000 | 30,440,000 | 47,887,000 | 66,116,000 |
| Noninterest income | 10,378,000 | 24,709,000 | 47,777,000 | 71,647,000 |
| Noninterest expense | 18,317,000 | 40,556,000 | 67,698,000 | 92,880,000 |
| Provision for loan losses | 300,000 | 800,000 | 800,000 | 800,000 |
| Pretax income | 6,716,000 | 14,416,000 | 27,789,000 | 44,706,000 |
| Income tax | 2,487,000 | 5,344,000 | 10,302,000 | 16,652,000 |
| Net income | 4,229,000 | 9,072,000 | 17,487,000 | 28,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 204,567,000 | 207,348,000 | 210,250,000 | 218,770,000 |
| Total capital | 219,763,000 | 223,048,000 | 227,006,000 | 235,277,000 |
| Risk-weighted assets | 1,362,574,000 | 1,437,240,000 | 1,630,676,000 | 1,609,605,000 |