Call reports 2013
NORTH AMERICAN BANKING COMPANY — 2013
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 292,730,000 | 313,591,000 | 330,222,000 | 342,135,000 |
| Total loans | 208,192,000 | 211,343,000 | 215,667,000 | 220,951,000 |
| Allowance for loan losses | 2,285,000 | 2,400,000 | 2,375,000 | 2,430,000 |
| Securities available for sale | 35,511,000 | 37,057,000 | 47,923,000 | 53,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,944,000 | 273,033,000 | 289,436,000 | 301,061,000 |
| Interest-bearing deposits | 165,444,000 | 170,207,000 | 172,600,000 | 176,411,000 |
| Noninterest-bearing deposits | 85,499,000 | 102,826,000 | 116,837,000 | 124,651,000 |
| Equity capital | 28,451,000 | 27,889,000 | 27,724,000 | 28,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,241,000 | 6,391,000 | 9,580,000 | 12,858,000 |
| Interest expense | 541,000 | 1,086,000 | 1,645,000 | 2,211,000 |
| Net interest income | 2,700,000 | 5,305,000 | 7,935,000 | 10,647,000 |
| Noninterest income | 864,000 | 1,918,000 | 2,443,000 | 3,613,000 |
| Noninterest expense | 2,474,000 | 4,984,000 | 7,678,000 | 10,018,000 |
| Provision for loan losses | 122,000 | 418,000 | 792,000 | 901,000 |
| Pretax income | 968,000 | 1,840,000 | 1,927,000 | 3,360,000 |
| Income tax | 362,000 | 698,000 | 715,000 | 1,279,000 |
| Net income | 606,000 | 1,142,000 | 1,212,000 | 2,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,399,000 | 28,933,000 | 29,002,000 | 29,870,000 |
| Total capital | 30,684,000 | 31,333,000 | 31,377,000 | 32,300,000 |
| Risk-weighted assets | 240,672,000 | 249,808,000 | 254,195,000 | 256,151,000 |