Call reports 2022
PATHWARD, NATIONAL ASSOCIATION — 2022
What PATHWARD, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 6,891,349,000 | 6,729,112,000 | 6,745,045,000 | 6,649,091,000 |
| Total loans | 3,761,600,000 | 3,756,137,000 | 3,557,376,000 | 3,528,501,000 |
| Allowance for loan losses | 88,552,000 | 75,206,000 | 45,947,000 | 71,029,000 |
| Securities available for sale | 2,043,478,000 | 1,956,523,000 | 1,882,869,000 | 1,847,778,000 |
| Securities held to maturity | 47,287,000 | 43,877,000 | 41,681,000 | 40,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,832,581,000 | 5,712,359,000 | 5,879,181,000 | 5,791,108,000 |
| Interest-bearing deposits | 219,586,000 | 190,503,000 | 218,934,000 | 210,006,000 |
| Noninterest-bearing deposits | 5,612,995,000 | 5,521,856,000 | 5,660,246,000 | 5,581,102,000 |
| Equity capital | 852,678,000 | 737,370,000 | 665,202,000 | 680,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 87,143,000 | 163,058,000 | 245,770,000 | 351,473,000 |
| Interest expense | 271,000 | 472,000 | 701,000 | 1,104,000 |
| Net interest income | 86,872,000 | 162,586,000 | 245,069,000 | 350,369,000 |
| Noninterest income | 111,135,000 | 164,651,000 | 209,600,000 | 275,427,000 |
| Noninterest expense | 104,845,000 | 203,171,000 | 308,360,000 | 406,293,000 |
| Provision for loan losses | 32,155,000 | 31,006,000 | 28,392,000 | 73,346,000 |
| Pretax income | 59,492,000 | 91,837,000 | 114,771,000 | 143,101,000 |
| Income tax | 8,002,000 | 14,973,000 | 14,717,000 | 19,271,000 |
| Net income | 50,639,000 | 74,565,000 | 97,069,000 | 120,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 592,718,000 | 539,709,000 | 535,931,000 | 541,125,000 |
| Total capital | 648,820,000 | 595,226,000 | 579,554,000 | 594,153,000 |
| Risk-weighted assets | 4,468,585,000 | 4,431,318,000 | 4,272,082,000 | 4,226,011,000 |