Call reports 2010
NORTH AMERICAN BANKING COMPANY — 2010
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 250,094,000 | 263,819,000 | 265,446,000 | 267,421,000 |
| Total loans | 167,000,000 | 168,570,000 | 166,641,000 | 171,953,000 |
| Allowance for loan losses | 3,399,000 | 3,392,000 | 2,650,000 | 3,225,000 |
| Securities available for sale | 27,736,000 | 29,450,000 | 24,425,000 | 29,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,145,000 | 220,508,000 | 222,425,000 | 227,627,000 |
| Interest-bearing deposits | 166,760,000 | 181,698,000 | 182,505,000 | 179,836,000 |
| Noninterest-bearing deposits | 40,385,000 | 38,810,000 | 39,920,000 | 47,791,000 |
| Equity capital | 26,551,000 | 27,043,000 | 27,364,000 | 26,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,840,000 | 5,786,000 | 8,612,000 | 11,380,000 |
| Interest expense | 1,092,000 | 2,155,000 | 3,231,000 | 4,252,000 |
| Net interest income | 1,748,000 | 3,631,000 | 5,381,000 | 7,128,000 |
| Noninterest income | 781,000 | 1,621,000 | 2,531,000 | 3,585,000 |
| Noninterest expense | 2,423,000 | 4,756,000 | 7,211,000 | 10,168,000 |
| Provision for loan losses | 0 | 0 | 0 | 778,000 |
| Pretax income | 106,000 | 533,000 | 1,000,000 | 141,000 |
| Income tax | 5,000 | 152,000 | 303,000 | -68,000 |
| Net income | 101,000 | 381,000 | 697,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,161,000 | 25,472,000 | 25,847,000 | 25,046,000 |
| Total capital | 27,662,000 | 27,969,000 | 28,292,000 | 27,582,000 |
| Risk-weighted assets | 199,164,000 | 198,884,000 | 195,391,000 | 202,186,000 |