Call reports 2004
NORTH AMERICAN BANKING COMPANY — 2004
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 112,209,000 | 112,602,000 | 112,243,000 | 118,588,000 |
| Total loans | 90,845,000 | 90,957,000 | 90,182,000 | 95,043,000 |
| Allowance for loan losses | 715,000 | 715,000 | 782,000 | 773,000 |
| Securities available for sale | 10,624,000 | 12,615,000 | 12,110,000 | 15,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,941,000 | 94,192,000 | 93,456,000 | 97,807,000 |
| Interest-bearing deposits | 73,373,000 | 74,020,000 | 70,311,000 | 75,094,000 |
| Noninterest-bearing deposits | 20,568,000 | 20,172,000 | 23,145,000 | 22,713,000 |
| Equity capital | 10,354,000 | 10,334,000 | 10,870,000 | 11,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,386,000 | 5,034,000 | 6,750,000 |
| Interest expense | 426,000 | 871,000 | 1,354,000 | 1,866,000 |
| Net interest income | 1,200,000 | 2,515,000 | 3,680,000 | 4,884,000 |
| Noninterest income | 528,000 | 1,027,000 | 1,654,000 | 2,180,000 |
| Noninterest expense | 1,277,000 | 2,641,000 | 3,925,000 | 5,161,000 |
| Provision for loan losses | 88,000 | 88,000 | 155,000 | 191,000 |
| Pretax income | 363,000 | 813,000 | 1,267,000 | 1,725,000 |
| Income tax | 142,000 | 343,000 | 514,000 | 682,000 |
| Net income | 221,000 | 470,000 | 753,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,281,000 | 10,530,000 | 10,813,000 | 11,103,000 |
| Total capital | 10,996,000 | 11,245,000 | 11,595,000 | 11,876,000 |
| Risk-weighted assets | 102,054,000 | 103,403,000 | 100,831,000 | 104,026,000 |