Call reports 2020
PATHWARD, NATIONAL ASSOCIATION — 2020
What PATHWARD, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 5,852,136,000 | 8,786,970,000 | 6,095,894,000 | 7,271,739,000 |
| Total loans | 3,632,535,000 | 3,582,552,000 | 3,506,341,000 | 3,582,333,000 |
| Allowance for loan losses | 65,355,000 | 65,747,000 | 56,188,000 | 72,389,000 |
| Securities available for sale | 1,195,619,000 | 1,163,828,000 | 1,268,102,000 | 1,228,124,000 |
| Securities held to maturity | 114,856,000 | 104,588,000 | 92,610,000 | 81,328,000 |
| Trading assets | 2,040,000 | 1,953,000 | 1,987,000 | 2,094,000 |
| Total deposits | 3,966,766,000 | 7,593,977,000 | 4,984,847,000 | 6,212,712,000 |
| Interest-bearing deposits | 1,061,920,000 | 1,052,516,000 | 622,570,000 | 626,193,000 |
| Noninterest-bearing deposits | 2,904,846,000 | 6,541,462,000 | 4,362,278,000 | 5,586,519,000 |
| Equity capital | 893,163,000 | 919,733,000 | 929,828,000 | 900,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 80,754,000 | 149,483,000 | 219,368,000 | 289,180,000 |
| Interest expense | 10,365,000 | 14,342,000 | 16,978,000 | 17,871,000 |
| Net interest income | 70,389,000 | 135,141,000 | 202,390,000 | 271,309,000 |
| Noninterest income | 120,461,000 | 161,514,000 | 202,177,000 | 247,614,000 |
| Noninterest expense | 92,633,000 | 164,931,000 | 246,403,000 | 320,298,000 |
| Provision for loan losses | 37,296,000 | 52,389,000 | 61,369,000 | 67,633,000 |
| Pretax income | 60,973,000 | 79,381,000 | 96,891,000 | 131,259,000 |
| Income tax | 5,617,000 | 2,708,000 | 8,620,000 | 12,153,000 |
| Net income | 54,052,000 | 74,282,000 | 84,829,000 | 114,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 532,772,000 | 557,206,000 | 552,240,000 | 525,956,000 |
| Total capital | 586,453,000 | 607,643,000 | 601,620,000 | 577,117,000 |
| Risk-weighted assets | 4,282,746,000 | 4,019,568,000 | 3,943,522,000 | 4,081,434,000 |