Call reports 2019
NORTH AMERICAN SAVINGS BANK, FSB — 2019
What NORTH AMERICAN SAVINGS BANK, FSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,275,568,000 | 2,438,296,000 | 2,592,378,000 | 2,503,779,000 |
| Total loans | 2,090,414,000 | 2,206,263,000 | 2,348,010,000 | 2,259,413,000 |
| Allowance for loan losses | 21,310,000 | 22,989,000 | 23,011,000 | 22,832,000 |
| Securities available for sale | 117,981,000 | 129,925,000 | 130,310,000 | 129,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,792,575,000 | 1,734,689,000 | 1,858,921,000 | 1,656,795,000 |
| Interest-bearing deposits | 1,696,642,000 | 1,615,153,000 | 1,716,780,000 | 1,535,638,000 |
| Noninterest-bearing deposits | 95,933,000 | 119,536,000 | 142,141,000 | 121,157,000 |
| Equity capital | 244,577,000 | 255,848,000 | 266,987,000 | 278,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 29,095,000 | 60,497,000 | 93,946,000 | 127,859,000 |
| Interest expense | 8,679,000 | 18,674,000 | 29,252,000 | 39,114,000 |
| Net interest income | 20,416,000 | 41,823,000 | 64,694,000 | 88,745,000 |
| Noninterest income | 9,550,000 | 27,716,000 | 50,012,000 | 70,586,000 |
| Noninterest expense | 18,430,000 | 39,996,000 | 66,301,000 | 91,018,000 |
| Provision for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Pretax income | 10,536,000 | 28,543,000 | 47,405,000 | 67,313,000 |
| Income tax | 2,634,000 | 7,136,000 | 11,851,000 | 16,894,000 |
| Net income | 7,902,000 | 21,407,000 | 35,554,000 | 50,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 239,719,000 | 249,567,000 | 260,058,000 | 271,267,000 |
| Total capital | 261,029,000 | 272,556,000 | 283,069,000 | 294,099,000 |
| Risk-weighted assets | 1,718,146,000 | 1,898,320,000 | 1,968,769,000 | 1,922,842,000 |