Call reports 2013
NORTH BANK — 2013
What NORTH BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,906,000 | 112,369,000 | 113,354,000 | 114,014,000 |
| Total loans | 58,188,000 | 57,610,000 | 58,090,000 | 59,234,000 |
| Allowance for loan losses | 1,206,000 | 831,000 | 876,000 | 917,000 |
| Securities available for sale | 46,757,000 | 46,701,000 | 48,630,000 | 50,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,613,000 | 98,852,000 | 102,534,000 | 102,251,000 |
| Interest-bearing deposits | 78,015,000 | 73,922,000 | 70,485,000 | 74,900,000 |
| Noninterest-bearing deposits | 22,598,000 | 24,930,000 | 32,049,000 | 27,351,000 |
| Equity capital | 10,691,000 | 10,252,000 | 10,107,000 | 9,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,070,000 | 2,110,000 | 3,136,000 | 4,208,000 |
| Interest expense | 66,000 | 122,000 | 172,000 | 217,000 |
| Net interest income | 1,004,000 | 1,988,000 | 2,964,000 | 3,991,000 |
| Noninterest income | 74,000 | 152,000 | 241,000 | 320,000 |
| Noninterest expense | 922,000 | 1,854,000 | 2,778,000 | 3,701,000 |
| Provision for loan losses | 60,000 | 120,000 | 150,000 | 180,000 |
| Pretax income | 96,000 | 187,000 | 298,000 | 461,000 |
| Income tax | 5,000 | 7,000 | 17,000 | 48,000 |
| Net income | 91,000 | 180,000 | 281,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,312,000 | 10,402,000 | 10,501,000 | 10,477,000 |
| Total capital | 11,140,000 | 11,233,000 | 11,337,000 | 11,332,000 |
| Risk-weighted assets | 65,842,000 | 66,758,000 | 66,849,000 | 68,346,000 |
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