Call reports 2002
NORTH AMERICAN BANKING COMPANY — 2002
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 79,073,000 | 88,159,000 | 90,172,000 | 89,193,000 |
| Total loans | 59,311,000 | 65,744,000 | 68,190,000 | 67,466,000 |
| Allowance for loan losses | 440,000 | 460,000 | 490,000 | 496,000 |
| Securities available for sale | 8,245,000 | 12,909,000 | 10,559,000 | 12,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,655,000 | 77,409,000 | 79,292,000 | 77,191,000 |
| Interest-bearing deposits | 59,776,000 | 64,243,000 | 64,252,000 | 63,557,000 |
| Noninterest-bearing deposits | 12,879,000 | 13,166,000 | 15,040,000 | 13,634,000 |
| Equity capital | 5,990,000 | 7,139,000 | 7,248,000 | 7,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,213,000 | 2,506,000 | 3,912,000 | 5,255,000 |
| Interest expense | 589,000 | 1,175,000 | 1,752,000 | 2,266,000 |
| Net interest income | 624,000 | 1,331,000 | 2,160,000 | 2,989,000 |
| Noninterest income | 499,000 | 957,000 | 1,506,000 | 2,024,000 |
| Noninterest expense | 1,031,000 | 2,112,000 | 3,262,000 | 4,334,000 |
| Provision for loan losses | 10,000 | 30,000 | 60,000 | 80,000 |
| Pretax income | 118,000 | 193,000 | 480,000 | 725,000 |
| Income tax | 53,000 | 85,000 | 201,000 | 292,000 |
| Net income | 65,000 | 108,000 | 279,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,972,000 | 7,015,000 | 7,186,000 | 7,340,000 |
| Total capital | 6,412,000 | 7,475,000 | 7,676,000 | 7,836,000 |
| Risk-weighted assets | 63,596,000 | 72,148,000 | 73,909,000 | 73,929,000 |