Call reports 2016
PATHWARD, NATIONAL ASSOCIATION — 2016
What PATHWARD, NATIONAL ASSOCIATION 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 | 3,071,014,000 | 3,143,230,000 | 3,995,706,000 | 4,202,354,000 |
| Total loans | 784,882,000 | 860,626,000 | 925,105,000 | 1,114,708,000 |
| Allowance for loan losses | 7,431,000 | 6,121,000 | 5,635,000 | 6,415,000 |
| Securities available for sale | 1,555,104,000 | 1,442,798,000 | 1,469,249,000 | 1,471,771,000 |
| Securities held to maturity | 485,458,000 | 604,280,000 | 619,542,000 | 604,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,229,411,000 | 2,194,256,000 | 2,435,231,000 | 3,670,636,000 |
| Interest-bearing deposits | 206,976,000 | 264,116,000 | 262,560,000 | 1,189,862,000 |
| Noninterest-bearing deposits | 2,022,435,000 | 1,930,140,000 | 2,172,671,000 | 2,480,774,000 |
| Equity capital | 315,264,000 | 335,909,000 | 403,574,000 | 461,066,000 |
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 | 21,149,000 | 42,479,000 | 64,850,000 | 88,124,000 |
| Interest expense | 577,000 | 1,305,000 | 2,457,000 | 3,963,000 |
| Net interest income | 20,572,000 | 41,174,000 | 62,393,000 | 84,161,000 |
| Noninterest income | 40,872,000 | 64,780,000 | 84,283,000 | 104,866,000 |
| Noninterest expense | 42,227,000 | 74,275,000 | 106,060,000 | 143,396,000 |
| Provision for loan losses | 1,172,000 | 3,270,000 | 3,818,000 | 4,661,000 |
| Pretax income | 18,074,000 | 28,336,000 | 36,452,000 | 39,389,000 |
| Income tax | 3,522,000 | 4,651,000 | 6,513,000 | 6,855,000 |
| Net income | 14,552,000 | 23,685,000 | 29,939,000 | 32,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 243,106,000 | 253,341,000 | 324,142,000 | 320,143,000 |
| Total capital | 250,616,000 | 259,563,000 | 329,965,000 | 326,730,000 |
| Risk-weighted assets | 1,358,528,000 | 1,401,215,000 | 1,476,427,000 | 1,725,903,000 |