Call reports 2023
NORTH AMERICAN SAVINGS BANK, FSB — 2023
What NORTH AMERICAN SAVINGS BANK, FSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,759,494,000 | 2,732,298,000 | 2,811,573,000 | 2,750,302,000 |
| Total loans | 2,118,744,000 | 2,101,532,000 | 2,099,034,000 | 2,132,404,000 |
| Allowance for loan losses | 29,806,000 | 29,825,000 | 29,901,000 | 30,129,000 |
| Securities available for sale | 217,076,000 | 214,345,000 | 237,686,000 | 283,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,755,300,000 | 1,770,104,000 | 1,825,531,000 | 1,721,910,000 |
| Interest-bearing deposits | 1,619,561,000 | 1,632,476,000 | 1,688,557,000 | 1,599,828,000 |
| Noninterest-bearing deposits | 135,739,000 | 137,628,000 | 136,974,000 | 122,082,000 |
| Equity capital | 390,362,000 | 396,046,000 | 395,716,000 | 409,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 34,379,000 | 71,586,000 | 109,766,000 | 147,984,000 |
| Interest expense | 12,305,000 | 28,434,000 | 46,589,000 | 65,283,000 |
| Net interest income | 22,074,000 | 43,152,000 | 63,177,000 | 82,701,000 |
| Noninterest income | 824,000 | 4,796,000 | 7,478,000 | 7,604,000 |
| Noninterest expense | 14,986,000 | 28,140,000 | 41,405,000 | 53,830,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,500,000 |
| Pretax income | 7,912,000 | 19,808,000 | 29,250,000 | 39,305,000 |
| Income tax | 1,976,000 | 4,888,000 | 7,297,000 | 9,303,000 |
| Net income | 2,234,000 | 11,016,000 | 18,031,000 | 26,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 403,264,000 | 410,311,000 | 415,591,000 | 419,726,000 |
| Total capital | 424,159,000 | 430,769,000 | 436,473,000 | 441,249,000 |
| Risk-weighted assets | 1,662,765,000 | 1,627,275,000 | 1,661,558,000 | 1,712,052,000 |