Call reports 2019
PATHWARD, NATIONAL ASSOCIATION — 2019
What PATHWARD, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 6,035,894,000 | 6,096,413,000 | 6,190,201,000 | 6,192,202,000 |
| Total loans | 3,497,725,000 | 3,693,869,000 | 3,807,623,000 | 3,854,740,000 |
| Allowance for loan losses | 48,672,000 | 43,505,000 | 29,149,000 | 30,176,000 |
| Securities available for sale | 1,495,156,000 | 1,357,098,000 | 1,272,493,000 | 1,214,723,000 |
| Securities held to maturity | 154,598,000 | 145,542,000 | 134,765,000 | 123,117,000 |
| Trading assets | 1,479,000 | 1,783,000 | 1,669,000 | 2,040,000 |
| Total deposits | 4,984,190,000 | 4,783,593,000 | 4,341,141,000 | 4,809,109,000 |
| Interest-bearing deposits | 1,935,880,000 | 2,023,283,000 | 1,978,995,000 | 1,846,579,000 |
| Noninterest-bearing deposits | 3,048,310,000 | 2,760,310,000 | 2,362,145,000 | 2,962,530,000 |
| Equity capital | 895,121,000 | 908,329,000 | 929,148,000 | 928,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 89,438,000 | 172,329,000 | 254,600,000 | 333,709,000 |
| Interest expense | 15,620,000 | 28,956,000 | 42,847,000 | 54,506,000 |
| Net interest income | 73,818,000 | 143,373,000 | 211,753,000 | 279,203,000 |
| Noninterest income | 104,570,000 | 147,712,000 | 184,267,000 | 221,759,000 |
| Noninterest expense | 111,226,000 | 184,657,000 | 261,984,000 | 339,004,000 |
| Provision for loan losses | 33,318,000 | 42,430,000 | 46,551,000 | 49,958,000 |
| Pretax income | 34,350,000 | 65,151,000 | 88,064,000 | 112,570,000 |
| Income tax | -395,000 | -1,553,000 | -308,000 | 371,000 |
| Net income | 33,667,000 | 64,582,000 | 84,982,000 | 107,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 540,844,000 | 538,162,000 | 554,950,000 | 558,610,000 |
| Total capital | 589,656,000 | 581,803,000 | 584,222,000 | 588,848,000 |
| Risk-weighted assets | 4,236,945,000 | 4,387,357,000 | 4,487,748,000 | 4,565,622,000 |