Call reports 2012
NORTH AMERICAN BANKING COMPANY — 2012
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 253,050,000 | 260,583,000 | 267,954,000 | 283,280,000 |
| Total loans | 178,343,000 | 182,847,000 | 179,229,000 | 203,564,000 |
| Allowance for loan losses | 2,970,000 | 2,995,000 | 2,961,000 | 2,231,000 |
| Securities available for sale | 32,975,000 | 36,777,000 | 34,213,000 | 34,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,204,000 | 222,162,000 | 228,396,000 | 228,571,000 |
| Interest-bearing deposits | 149,694,000 | 157,879,000 | 151,616,000 | 143,182,000 |
| Noninterest-bearing deposits | 67,510,000 | 64,282,000 | 76,779,000 | 85,388,000 |
| Equity capital | 27,800,000 | 27,895,000 | 28,389,000 | 28,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,926,000 | 6,017,000 | 9,089,000 | 12,280,000 |
| Interest expense | 679,000 | 1,238,000 | 1,789,000 | 2,338,000 |
| Net interest income | 2,247,000 | 4,779,000 | 7,300,000 | 9,942,000 |
| Noninterest income | 838,000 | 1,748,000 | 2,542,000 | 3,468,000 |
| Noninterest expense | 2,502,000 | 5,158,000 | 7,851,000 | 11,298,000 |
| Provision for loan losses | 100,000 | 145,000 | 245,000 | -396,000 |
| Pretax income | 582,000 | 1,494,000 | 2,115,000 | 2,877,000 |
| Income tax | 205,000 | 554,000 | 783,000 | 1,072,000 |
| Net income | 377,000 | 940,000 | 1,332,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,537,000 | 27,109,000 | 27,745,000 | 28,691,000 |
| Total capital | 29,201,000 | 29,837,000 | 30,402,000 | 30,922,000 |
| Risk-weighted assets | 212,831,000 | 217,976,000 | 212,222,000 | 234,174,000 |