Call reports 2014
PATHWARD, NATIONAL ASSOCIATION — 2014
What PATHWARD, NATIONAL ASSOCIATION 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 | 1,887,282,000 | 1,920,085,000 | 2,050,618,000 | 2,107,864,000 |
| Total loans | 430,588,000 | 476,835,000 | 498,404,000 | 595,667,000 |
| Allowance for loan losses | 4,572,000 | 4,895,000 | 5,397,000 | 5,225,000 |
| Securities available for sale | 1,033,603,000 | 1,036,428,000 | 1,139,907,000 | 1,048,457,000 |
| Securities held to maturity | 290,311,000 | 281,249,000 | 282,933,000 | 303,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,502,486,000 | 1,352,481,000 | 1,372,962,000 | 1,788,960,000 |
| Interest-bearing deposits | 185,407,000 | 223,046,000 | 239,826,000 | 202,497,000 |
| Noninterest-bearing deposits | 1,317,079,000 | 1,129,435,000 | 1,133,136,000 | 1,586,462,000 |
| Equity capital | 155,726,000 | 170,207,000 | 175,568,000 | 194,193,000 |
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 | 12,063,000 | 24,628,000 | 37,499,000 | 51,729,000 |
| Interest expense | 433,000 | 959,000 | 1,517,000 | 2,072,000 |
| Net interest income | 11,630,000 | 23,669,000 | 35,982,000 | 49,657,000 |
| Noninterest income | 12,917,000 | 25,376,000 | 37,943,000 | 51,976,000 |
| Noninterest expense | 19,562,000 | 38,296,000 | 58,802,000 | 81,258,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,150,000 | 1,198,000 |
| Pretax income | 4,783,000 | 10,246,000 | 14,081,000 | 18,025,000 |
| Income tax | 486,000 | 1,634,000 | 2,072,000 | 2,328,000 |
| Net income | 4,297,000 | 8,612,000 | 12,009,000 | 15,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 168,747,000 | 173,139,000 | 176,389,000 | 170,378,000 |
| Total capital | 173,319,000 | 178,034,000 | 181,786,000 | 175,728,000 |
| Risk-weighted assets | 755,729,000 | 804,455,000 | 841,817,000 | 931,220,000 |