Call reports 2001
NORTH AMERICAN BANKING COMPANY — 2001
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 75,120,000 | 74,680,000 | 76,157,000 | 77,629,000 |
| Total loans | 50,410,000 | 56,329,000 | 54,070,000 | 56,527,000 |
| Allowance for loan losses | 331,000 | 390,000 | 410,000 | 430,000 |
| Securities available for sale | 9,817,000 | 8,265,000 | 9,285,000 | 8,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,838,000 | 68,218,000 | 69,556,000 | 71,237,000 |
| Interest-bearing deposits | 63,847,000 | 59,242,000 | 59,601,000 | 59,164,000 |
| Noninterest-bearing deposits | 4,991,000 | 8,976,000 | 9,955,000 | 12,073,000 |
| Equity capital | 5,866,000 | 5,853,000 | 6,002,000 | 5,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,771,000 | 4,140,000 | 5,356,000 |
| Interest expense | 858,000 | 1,711,000 | 2,513,000 | 3,189,000 |
| Net interest income | 517,000 | 1,060,000 | 1,627,000 | 2,167,000 |
| Noninterest income | 394,000 | 762,000 | 1,180,000 | 1,701,000 |
| Noninterest expense | 751,000 | 1,645,000 | 2,555,000 | 3,493,000 |
| Provision for loan losses | 20,000 | 82,000 | 102,000 | 122,000 |
| Pretax income | 147,000 | 117,000 | 208,000 | 365,000 |
| Income tax | 59,000 | 47,000 | 84,000 | 158,000 |
| Net income | 88,000 | 70,000 | 124,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,787,000 | 5,770,000 | 5,824,000 | 5,907,000 |
| Total capital | 6,118,000 | 6,160,000 | 6,234,000 | 6,337,000 |
| Risk-weighted assets | 55,746,000 | 59,846,000 | 58,595,000 | 60,771,000 |