Call reports 2025
NORTH AMERICAN BANKING COMPANY — 2025
What NORTH AMERICAN BANKING COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,368,790,000 | 1,395,905,000 | 1,405,401,000 | 1,460,893,000 |
| Total loans | 735,304,000 | 760,320,000 | 761,743,000 | 762,954,000 |
| Allowance for loan losses | 9,066,000 | 9,441,000 | 9,657,000 | 8,753,000 |
| Securities available for sale | 468,653,000 | 453,881,000 | 419,781,000 | 470,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,190,074,000 | 1,129,246,000 | 1,130,831,000 | 1,113,216,000 |
| Interest-bearing deposits | 718,926,000 | 708,280,000 | 710,112,000 | 707,284,000 |
| Noninterest-bearing deposits | 471,148,000 | 420,966,000 | 420,719,000 | 405,932,000 |
| Equity capital | 75,466,000 | 83,664,000 | 92,600,000 | 97,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,291,000 | 29,182,000 | 44,989,000 | 61,468,000 |
| Interest expense | 7,743,000 | 15,429,000 | 22,857,000 | 29,651,000 |
| Net interest income | 6,548,000 | 13,753,000 | 22,132,000 | 31,817,000 |
| Noninterest income | 3,979,000 | 8,642,000 | 13,865,000 | 19,563,000 |
| Noninterest expense | 6,675,000 | 13,802,000 | 20,912,000 | 29,075,000 |
| Provision for loan losses | 579,000 | 1,028,000 | 1,269,000 | 1,207,000 |
| Pretax income | 3,283,000 | 7,608,000 | 13,900,000 | 21,247,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,283,000 | 7,608,000 | 13,900,000 | 21,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,641,000 | 123,965,000 | 127,667,000 | 130,053,000 |
| Total capital | 129,148,000 | 133,805,000 | 137,681,000 | 139,098,000 |
| Risk-weighted assets | 888,189,000 | 902,566,000 | 891,721,000 | 912,621,000 |