Call reports 2005
NORTH AMERICAN BANKING COMPANY — 2005
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 130,580,000 | 141,847,000 | 154,771,000 | 156,341,000 |
| Total loans | 101,562,000 | 109,967,000 | 115,264,000 | 115,972,000 |
| Allowance for loan losses | 795,000 | 920,000 | 1,355,000 | 893,000 |
| Securities available for sale | 15,280,000 | 17,172,000 | 17,079,000 | 18,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,487,000 | 120,597,000 | 129,746,000 | 132,212,000 |
| Interest-bearing deposits | 77,183,000 | 93,460,000 | 102,329,000 | 101,078,000 |
| Noninterest-bearing deposits | 33,304,000 | 27,137,000 | 27,417,000 | 31,134,000 |
| Equity capital | 11,339,000 | 12,012,000 | 14,709,000 | 14,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 4,054,000 | 6,360,000 | 8,851,000 |
| Interest expense | 560,000 | 1,296,000 | 2,176,000 | 3,214,000 |
| Net interest income | 1,279,000 | 2,758,000 | 4,184,000 | 5,637,000 |
| Noninterest income | 533,000 | 1,089,000 | 1,934,000 | 2,526,000 |
| Noninterest expense | 1,265,000 | 2,704,000 | 4,066,000 | 5,589,000 |
| Provision for loan losses | 17,000 | 142,000 | 577,000 | 1,867,000 |
| Pretax income | 551,000 | 1,027,000 | 1,501,000 | 733,000 |
| Income tax | 194,000 | 211,000 | 358,000 | 9,000 |
| Net income | 357,000 | 816,000 | 1,143,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,460,000 | 11,919,000 | 14,745,000 | 14,326,000 |
| Total capital | 12,255,000 | 12,839,000 | 16,100,000 | 15,219,000 |
| Risk-weighted assets | 110,850,000 | 122,361,000 | 134,548,000 | 136,527,000 |