Call reports 2012
PATHWARD, NATIONAL ASSOCIATION — 2012
What PATHWARD, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,595,728,000 | 1,526,745,000 | 1,646,963,000 | 1,761,275,000 |
| Total loans | 326,447,000 | 337,374,000 | 330,952,000 | 321,221,000 |
| Allowance for loan losses | 4,762,000 | 4,426,000 | 3,971,000 | 3,963,000 |
| Securities available for sale | 968,006,000 | 968,391,000 | 1,116,692,000 | 1,323,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,452,800,000 | 1,351,945,000 | 1,384,278,000 | 1,318,753,000 |
| Interest-bearing deposits | 205,126,000 | 197,512,000 | 198,495,000 | 184,040,000 |
| Noninterest-bearing deposits | 1,247,674,000 | 1,154,433,000 | 1,185,783,000 | 1,134,713,000 |
| Equity capital | 95,322,000 | 113,032,000 | 150,640,000 | 152,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,299,000 | 19,448,000 | 27,682,000 | 37,313,000 |
| Interest expense | 767,000 | 1,501,000 | 2,218,000 | 2,929,000 |
| Net interest income | 9,532,000 | 17,947,000 | 25,464,000 | 34,384,000 |
| Noninterest income | 15,374,000 | 29,440,000 | 41,062,000 | 52,779,000 |
| Noninterest expense | 20,116,000 | 38,170,000 | 56,424,000 | 74,199,000 |
| Provision for loan losses | 200,000 | 350,000 | 350,000 | 350,000 |
| Pretax income | 15,971,000 | 19,848,000 | 22,457,000 | 26,973,000 |
| Income tax | 5,886,000 | 7,319,000 | 8,148,000 | 9,296,000 |
| Net income | 10,085,000 | 12,529,000 | 14,309,000 | 17,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,626,000 | 107,475,000 | 140,092,000 | 144,309,000 |
| Total capital | 98,388,000 | 111,901,000 | 144,063,000 | 148,272,000 |
| Risk-weighted assets | 609,459,000 | 609,842,000 | 610,634,000 | 666,983,000 |