Call reports 2014
NORTH AMERICAN BANKING COMPANY — 2014
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 344,027,000 | 344,237,000 | 360,717,000 | 370,515,000 |
| Total loans | 238,697,000 | 245,358,000 | 256,936,000 | 259,198,000 |
| Allowance for loan losses | 2,430,000 | 2,555,000 | 2,725,000 | 2,729,000 |
| Securities available for sale | 57,131,000 | 54,228,000 | 54,104,000 | 54,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,099,000 | 294,212,000 | 309,846,000 | 327,999,000 |
| Interest-bearing deposits | 190,513,000 | 229,237,000 | 239,404,000 | 241,171,000 |
| Noninterest-bearing deposits | 96,586,000 | 64,975,000 | 70,442,000 | 86,828,000 |
| Equity capital | 28,531,000 | 29,886,000 | 30,630,000 | 31,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,259,000 | 6,720,000 | 10,511,000 | 14,124,000 |
| Interest expense | 570,000 | 1,168,000 | 1,792,000 | 2,482,000 |
| Net interest income | 2,689,000 | 5,552,000 | 8,719,000 | 11,642,000 |
| Noninterest income | 704,000 | 1,407,000 | 2,117,000 | 2,773,000 |
| Noninterest expense | 2,400,000 | 4,763,000 | 6,924,000 | 9,307,000 |
| Provision for loan losses | 0 | 125,000 | 397,000 | 396,000 |
| Pretax income | 1,013,000 | 2,280,000 | 3,765,000 | 5,084,000 |
| Income tax | 380,000 | 863,000 | 1,435,000 | 1,948,000 |
| Net income | 633,000 | 1,417,000 | 2,330,000 | 3,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,503,000 | 30,287,000 | 31,200,000 | 32,005,000 |
| Total capital | 31,933,000 | 32,842,000 | 33,925,000 | 34,734,000 |
| Risk-weighted assets | 276,066,000 | 275,404,000 | 287,413,000 | 287,900,000 |
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