Call reports 2015
NORTH AMERICAN BANKING COMPANY — 2015
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 373,449,000 | 382,144,000 | 381,905,000 | 394,168,000 |
| Total loans | 262,266,000 | 278,976,000 | 279,385,000 | 275,880,000 |
| Allowance for loan losses | 3,004,000 | 3,060,000 | 3,060,000 | 3,060,000 |
| Securities available for sale | 59,259,000 | 57,777,000 | 59,688,000 | 64,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,613,000 | 332,815,000 | 326,094,000 | 340,980,000 |
| Interest-bearing deposits | 233,887,000 | 239,312,000 | 232,372,000 | 232,115,000 |
| Noninterest-bearing deposits | 95,726,000 | 93,503,000 | 93,722,000 | 108,864,000 |
| Equity capital | 33,150,000 | 33,731,000 | 35,080,000 | 35,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,803,000 | 7,601,000 | 11,532,000 | 15,350,000 |
| Interest expense | 641,000 | 1,294,000 | 1,980,000 | 2,672,000 |
| Net interest income | 3,162,000 | 6,307,000 | 9,552,000 | 12,678,000 |
| Noninterest income | 819,000 | 1,651,000 | 2,463,000 | 3,343,000 |
| Noninterest expense | 2,441,000 | 4,574,000 | 6,814,000 | 9,412,000 |
| Provision for loan losses | 0 | 121,000 | 121,000 | 121,000 |
| Pretax income | 1,641,000 | 3,443,000 | 5,266,000 | 6,674,000 |
| Income tax | 636,000 | 1,337,000 | 2,048,000 | 2,593,000 |
| Net income | 1,005,000 | 2,106,000 | 3,218,000 | 4,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,010,000 | 34,110,000 | 35,223,000 | 36,086,000 |
| Total capital | 36,014,000 | 37,170,000 | 38,283,000 | 39,146,000 |
| Risk-weighted assets | 292,287,000 | 307,826,000 | 305,779,000 | 306,099,000 |