Call reports 2015
PATHWARD, NATIONAL ASSOCIATION — 2015
What PATHWARD, NATIONAL ASSOCIATION 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 | 2,274,473,000 | 2,313,774,000 | 2,529,014,000 | 2,959,506,000 |
| Total loans | 624,460,000 | 657,762,000 | 712,511,000 | 743,795,000 |
| Allowance for loan losses | 5,716,000 | 6,232,000 | 6,255,000 | 6,666,000 |
| Securities available for sale | 1,202,536,000 | 1,159,786,000 | 1,256,087,000 | 1,339,940,000 |
| Securities held to maturity | 310,752,000 | 331,325,000 | 345,434,000 | 411,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,738,456,000 | 1,524,190,000 | 1,671,535,000 | 2,596,087,000 |
| Interest-bearing deposits | 172,213,000 | 191,994,000 | 208,433,000 | 208,640,000 |
| Noninterest-bearing deposits | 1,566,242,000 | 1,332,196,000 | 1,463,103,000 | 2,387,447,000 |
| Equity capital | 218,767,000 | 212,873,000 | 267,623,000 | 273,435,000 |
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 | 15,759,000 | 31,281,000 | 48,134,000 | 66,921,000 |
| Interest expense | 371,000 | 860,000 | 1,412,000 | 2,023,000 |
| Net interest income | 15,388,000 | 30,421,000 | 46,722,000 | 64,898,000 |
| Noninterest income | 14,953,000 | 30,324,000 | 45,874,000 | 62,687,000 |
| Noninterest expense | 23,344,000 | 48,009,000 | 74,641,000 | 105,088,000 |
| Provision for loan losses | 593,000 | 1,293,000 | 1,417,000 | 2,203,000 |
| Pretax income | 6,421,000 | 11,512,000 | 16,164,000 | 19,940,000 |
| Income tax | 1,181,000 | 1,520,000 | 1,436,000 | 1,044,000 |
| Net income | 5,240,000 | 9,992,000 | 14,728,000 | 18,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,561,000 | 201,302,000 | 213,220,000 | 217,729,000 |
| Total capital | 202,353,000 | 207,638,000 | 219,614,000 | 224,470,000 |
| Risk-weighted assets | 972,681,000 | 1,030,076,000 | 1,092,220,000 | 1,147,264,000 |