Call reports 2011
NORTH AMERICAN BANKING COMPANY — 2011
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 261,439,000 | 255,992,000 | 240,009,000 | 253,140,000 |
| Total loans | 168,757,000 | 171,975,000 | 173,685,000 | 176,090,000 |
| Allowance for loan losses | 3,197,000 | 2,870,000 | 2,967,000 | 2,910,000 |
| Securities available for sale | 34,202,000 | 30,174,000 | 24,514,000 | 33,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,440,000 | 220,014,000 | 204,506,000 | 217,627,000 |
| Interest-bearing deposits | 170,781,000 | 175,512,000 | 163,261,000 | 156,610,000 |
| Noninterest-bearing deposits | 50,659,000 | 44,502,000 | 41,246,000 | 61,017,000 |
| Equity capital | 26,350,000 | 26,764,000 | 27,504,000 | 27,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,805,000 | 5,673,000 | 8,684,000 | 11,555,000 |
| Interest expense | 972,000 | 1,883,000 | 2,724,000 | 3,568,000 |
| Net interest income | 1,833,000 | 3,790,000 | 5,960,000 | 7,987,000 |
| Noninterest income | 858,000 | 1,800,000 | 2,793,000 | 3,706,000 |
| Noninterest expense | 2,368,000 | 4,802,000 | 7,503,000 | 10,040,000 |
| Provision for loan losses | 0 | 431,000 | 591,000 | 636,000 |
| Pretax income | 323,000 | 357,000 | 989,000 | 1,347,000 |
| Income tax | 94,000 | 81,000 | 313,000 | 434,000 |
| Net income | 229,000 | 276,000 | 676,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,363,000 | 25,288,000 | 26,037,000 | 26,021,000 |
| Total capital | 27,875,000 | 27,811,000 | 28,582,000 | 28,649,000 |
| Risk-weighted assets | 200,249,000 | 201,455,000 | 203,202,000 | 209,958,000 |