Call reports 2020
NORTH AMERICAN SAVINGS BANK, FSB — 2020
What NORTH AMERICAN SAVINGS BANK, FSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,619,188,000 | 2,587,773,000 | 2,539,747,000 | 2,586,577,000 |
| Total loans | 2,246,502,000 | 2,250,165,000 | 2,199,699,000 | 2,273,448,000 |
| Allowance for loan losses | 23,633,000 | 25,579,000 | 30,952,000 | 31,135,000 |
| Securities available for sale | 204,170,000 | 166,814,000 | 156,407,000 | 148,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,747,861,000 | 1,849,929,000 | 1,780,476,000 | 1,702,318,000 |
| Interest-bearing deposits | 1,618,696,000 | 1,679,539,000 | 1,606,204,000 | 1,511,509,000 |
| Noninterest-bearing deposits | 129,165,000 | 170,390,000 | 174,272,000 | 190,809,000 |
| Equity capital | 277,897,000 | 319,984,000 | 355,574,000 | 379,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 31,569,000 | 64,009,000 | 95,277,000 | 126,341,000 |
| Interest expense | 8,759,000 | 16,741,000 | 23,120,000 | 28,064,000 |
| Net interest income | 22,810,000 | 47,268,000 | 72,157,000 | 98,277,000 |
| Noninterest income | 14,281,000 | 82,550,000 | 160,714,000 | 209,369,000 |
| Noninterest expense | 23,948,000 | 60,616,000 | 103,045,000 | 142,739,000 |
| Provision for loan losses | 750,000 | 2,650,000 | 10,150,000 | 10,150,000 |
| Pretax income | 12,436,000 | 66,870,000 | 119,994,000 | 155,075,000 |
| Income tax | 3,172,000 | 17,053,000 | 30,899,000 | 39,354,000 |
| Net income | 9,264,000 | 49,817,000 | 89,095,000 | 115,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 276,546,000 | 313,132,000 | 348,444,000 | 371,858,000 |
| Total capital | 300,179,000 | 335,927,000 | 372,377,000 | 396,883,000 |
| Risk-weighted assets | 1,996,030,000 | 1,820,830,000 | 1,907,654,000 | 1,995,910,000 |