Call reports 2016
NORTH AMERICAN BANKING COMPANY — 2016
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 403,281,000 | 388,689,000 | 383,548,000 | 412,603,000 |
| Total loans | 277,061,000 | 278,649,000 | 280,083,000 | 288,675,000 |
| Allowance for loan losses | 3,060,000 | 3,100,000 | 3,100,000 | 3,100,000 |
| Securities available for sale | 65,200,000 | 55,371,000 | 55,553,000 | 66,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,366,000 | 334,981,000 | 329,056,000 | 358,912,000 |
| Interest-bearing deposits | 238,028,000 | 225,658,000 | 221,479,000 | 224,055,000 |
| Noninterest-bearing deposits | 110,338,000 | 109,323,000 | 107,577,000 | 134,858,000 |
| Equity capital | 37,638,000 | 37,964,000 | 38,701,000 | 37,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,891,000 | 8,473,000 | 12,377,000 | 16,339,000 |
| Interest expense | 693,000 | 1,384,000 | 2,071,000 | 2,774,000 |
| Net interest income | 3,198,000 | 7,089,000 | 10,306,000 | 13,565,000 |
| Noninterest income | 983,000 | 1,896,000 | 2,905,000 | 3,949,000 |
| Noninterest expense | 2,416,000 | 4,729,000 | 7,000,000 | 9,603,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 1,897,000 | 4,362,000 | 6,317,000 | 8,003,000 |
| Income tax | 538,000 | 538,000 | 538,000 | 446,000 |
| Net income | 1,359,000 | 3,824,000 | 5,779,000 | 7,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,444,000 | 37,708,000 | 38,543,000 | 40,321,000 |
| Total capital | 40,504,000 | 40,808,000 | 41,643,000 | 43,421,000 |
| Risk-weighted assets | 310,433,000 | 324,503,000 | 326,102,000 | 338,815,000 |