Call reports 2008
NORTH AMERICAN BANKING COMPANY — 2008
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 204,325,000 | 201,483,000 | 221,399,000 | 213,411,000 |
| Total loans | 150,878,000 | 157,633,000 | 161,280,000 | 159,212,000 |
| Allowance for loan losses | 1,346,000 | 1,503,000 | 1,590,000 | 2,175,000 |
| Securities available for sale | 27,682,000 | 20,008,000 | 20,817,000 | 19,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,838,000 | 168,880,000 | 187,860,000 | 179,731,000 |
| Interest-bearing deposits | 143,484,000 | 137,541,000 | 156,570,000 | 148,273,000 |
| Noninterest-bearing deposits | 31,354,000 | 31,339,000 | 31,290,000 | 31,458,000 |
| Equity capital | 16,638,000 | 16,376,000 | 16,760,000 | 17,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,248,000 | 6,207,000 | 9,174,000 | 11,738,000 |
| Interest expense | 1,707,000 | 3,239,000 | 4,793,000 | 6,328,000 |
| Net interest income | 1,541,000 | 2,968,000 | 4,381,000 | 5,410,000 |
| Noninterest income | 1,196,000 | 2,405,000 | 3,348,000 | 4,264,000 |
| Noninterest expense | 2,327,000 | 4,638,000 | 7,013,000 | 9,535,000 |
| Provision for loan losses | 114,000 | 492,000 | -1,000 | 991,000 |
| Pretax income | 455,000 | 450,000 | 924,000 | -645,000 |
| Income tax | 170,000 | 154,000 | 338,000 | -314,000 |
| Net income | 285,000 | 296,000 | 586,000 | -331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,448,000 | 16,278,000 | 16,949,000 | 17,433,000 |
| Total capital | 17,794,000 | 17,781,000 | 18,539,000 | 19,608,000 |
| Risk-weighted assets | 172,367,000 | 177,177,000 | 182,925,000 | 184,342,000 |