Call reports 2018
PATHWARD, NATIONAL ASSOCIATION — 2018
What PATHWARD, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 4,288,765,000 | 4,155,349,000 | 5,821,148,000 | 6,168,996,000 |
| Total loans | 1,517,616,000 | 1,597,294,000 | 2,960,345,000 | 3,363,058,000 |
| Allowance for loan losses | 27,078,000 | 21,950,000 | 13,040,000 | 21,290,000 |
| Securities available for sale | 2,073,752,000 | 1,927,536,000 | 1,852,025,000 | 1,695,055,000 |
| Securities held to maturity | 234,700,000 | 224,068,000 | 171,743,000 | 160,736,000 |
| Trading assets | 0 | 0 | 1,577,000 | 1,703,000 |
| Total deposits | 3,342,570,000 | 3,522,513,000 | 4,445,812,000 | 4,954,412,000 |
| Interest-bearing deposits | 489,612,000 | 883,646,000 | 2,025,713,000 | 2,196,691,000 |
| Noninterest-bearing deposits | 2,852,958,000 | 2,638,866,000 | 2,420,099,000 | 2,757,722,000 |
| Equity capital | 529,565,000 | 530,345,000 | 819,642,000 | 842,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 34,249,000 | 69,398,000 | 130,770,000 | 206,929,000 |
| Interest expense | 4,712,000 | 9,159,000 | 19,508,000 | 32,887,000 |
| Net interest income | 29,537,000 | 60,239,000 | 111,262,000 | 174,042,000 |
| Noninterest income | 97,455,000 | 130,628,000 | 162,095,000 | 199,410,000 |
| Noninterest expense | 69,082,000 | 118,930,000 | 186,398,000 | 261,154,000 |
| Provision for loan losses | 18,343,000 | 23,658,000 | 28,365,000 | 37,464,000 |
| Pretax income | 39,400,000 | 48,091,000 | 51,427,000 | 67,644,000 |
| Income tax | 6,548,000 | 7,024,000 | 938,000 | -755,000 |
| Net income | 32,852,000 | 41,067,000 | 49,816,000 | 66,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 407,745,000 | 418,067,000 | 490,702,000 | 508,440,000 |
| Total capital | 435,030,000 | 440,218,000 | 503,887,000 | 529,862,000 |
| Risk-weighted assets | 2,339,900,000 | 2,379,105,000 | 3,907,980,000 | 4,268,031,000 |