Call reports 2007
NORTH AMERICAN BANKING COMPANY — 2007
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 202,031,000 | 191,035,000 | 196,039,000 | 201,815,000 |
| Total loans | 139,125,000 | 136,217,000 | 136,815,000 | 144,515,000 |
| Allowance for loan losses | 1,114,000 | 1,064,000 | 1,247,000 | 1,272,000 |
| Securities available for sale | 24,263,000 | 27,880,000 | 29,297,000 | 28,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,237,000 | 168,501,000 | 173,105,000 | 178,969,000 |
| Interest-bearing deposits | 148,091,000 | 140,071,000 | 145,466,000 | 141,865,000 |
| Noninterest-bearing deposits | 31,146,000 | 28,430,000 | 27,639,000 | 37,104,000 |
| Equity capital | 16,356,000 | 16,185,000 | 16,337,000 | 16,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,339,000 | 6,710,000 | 10,116,000 | 13,439,000 |
| Interest expense | 1,834,000 | 3,676,000 | 5,550,000 | 7,423,000 |
| Net interest income | 1,505,000 | 3,034,000 | 4,566,000 | 6,016,000 |
| Noninterest income | 828,000 | 1,660,000 | 2,510,000 | 3,368,000 |
| Noninterest expense | 2,241,000 | 4,636,000 | 6,993,000 | 9,554,000 |
| Provision for loan losses | 109,000 | 57,000 | 329,000 | 353,000 |
| Pretax income | 21,000 | 39,000 | -208,000 | -460,000 |
| Income tax | -31,000 | -38,000 | -157,000 | -245,000 |
| Net income | 52,000 | 77,000 | -51,000 | -215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,430,000 | 16,455,000 | 16,337,000 | 16,163,000 |
| Total capital | 17,544,000 | 17,519,000 | 17,584,000 | 17,435,000 |
| Risk-weighted assets | 162,924,000 | 160,922,000 | 163,776,000 | 170,032,000 |