Call reports 2009
NORTH AMERICAN BANKING COMPANY — 2009
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 221,901,000 | 234,093,000 | 234,537,000 | 242,040,000 |
| Total loans | 156,831,000 | 158,750,000 | 165,879,000 | 169,661,000 |
| Allowance for loan losses | 2,200,000 | 2,105,000 | 2,108,000 | 3,400,000 |
| Securities available for sale | 26,339,000 | 26,783,000 | 27,926,000 | 27,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,463,000 | 190,830,000 | 191,126,000 | 196,379,000 |
| Interest-bearing deposits | 158,626,000 | 154,048,000 | 154,291,000 | 156,624,000 |
| Noninterest-bearing deposits | 29,837,000 | 36,782,000 | 36,835,000 | 39,755,000 |
| Equity capital | 17,483,000 | 27,208,000 | 27,318,000 | 26,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,701,000 | 5,355,000 | 8,149,000 | 11,090,000 |
| Interest expense | 1,417,000 | 2,733,000 | 3,964,000 | 5,161,000 |
| Net interest income | 1,284,000 | 2,622,000 | 4,185,000 | 5,929,000 |
| Noninterest income | 918,000 | 1,800,000 | 2,690,000 | 3,505,000 |
| Noninterest expense | 2,181,000 | 4,471,000 | 6,751,000 | 9,433,000 |
| Provision for loan losses | 28,000 | 340,000 | 559,000 | 5,193,000 |
| Pretax income | -7,000 | -389,000 | -336,000 | -5,093,000 |
| Income tax | -17,000 | -186,000 | -179,000 | -2,126,000 |
| Net income | 10,000 | -203,000 | -157,000 | -2,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,979,000 | 26,766,000 | 26,801,000 | 25,339,000 |
| Total capital | 19,179,000 | 28,871,000 | 28,909,000 | 27,865,000 |
| Risk-weighted assets | 184,793,000 | 188,001,000 | 193,434,000 | 201,218,000 |