Call reports 2023
PATHWARD, NATIONAL ASSOCIATION — 2023
What PATHWARD, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 6,869,149,000 | 7,456,543,000 | 7,531,157,000 | 7,894,745,000 |
| Total loans | 3,750,396,000 | 4,160,249,000 | 4,443,895,000 | 4,498,834,000 |
| Allowance for loan losses | 84,304,000 | 81,916,000 | 49,705,000 | 91,041,000 |
| Securities available for sale | 1,825,564,000 | 1,914,271,000 | 1,804,228,000 | 1,850,581,000 |
| Securities held to maturity | 38,714,000 | 37,725,000 | 36,591,000 | 35,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,905,238,000 | 6,308,501,000 | 6,590,609,000 | 6,936,785,000 |
| Interest-bearing deposits | 220,065,000 | 224,338,000 | 256,241,000 | 387,236,000 |
| Noninterest-bearing deposits | 5,685,173,000 | 6,084,162,000 | 6,334,369,000 | 6,549,549,000 |
| Equity capital | 705,611,000 | 709,362,000 | 679,577,000 | 731,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 106,845,000 | 208,354,000 | 320,567,000 | 466,887,000 |
| Interest expense | 2,660,000 | 3,894,000 | 7,933,000 | 13,120,000 |
| Net interest income | 104,185,000 | 204,460,000 | 312,634,000 | 453,767,000 |
| Noninterest income | 126,980,000 | 194,493,000 | 250,850,000 | 303,282,000 |
| Noninterest expense | 128,968,000 | 245,397,000 | 365,771,000 | 489,895,000 |
| Provision for loan losses | 36,687,000 | 38,517,000 | 47,585,000 | 99,925,000 |
| Pretax income | 65,542,000 | 115,111,000 | 150,173,000 | 167,024,000 |
| Income tax | 9,176,000 | 12,419,000 | 10,713,000 | 12,080,000 |
| Net income | 55,769,000 | 101,587,000 | 137,848,000 | 153,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 559,263,000 | 586,117,000 | 597,304,000 | 582,117,000 |
| Total capital | 614,332,000 | 646,580,000 | 645,264,000 | 645,725,000 |
| Risk-weighted assets | 4,377,958,000 | 4,817,319,000 | 5,056,862,000 | 5,064,179,000 |