Call reports 2014
NORTH BANK — 2014
What NORTH BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 118,510,000 | 118,481,000 | 112,900,000 | 107,911,000 |
| Total loans | 60,477,000 | 56,585,000 | 54,450,000 | 55,119,000 |
| Allowance for loan losses | 924,000 | 810,000 | 884,000 | 902,000 |
| Securities available for sale | 52,049,000 | 53,709,000 | 51,932,000 | 46,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,784,000 | 107,259,000 | 101,201,000 | 96,072,000 |
| Interest-bearing deposits | 82,161,000 | 78,241,000 | 72,084,000 | 64,813,000 |
| Noninterest-bearing deposits | 25,623,000 | 29,018,000 | 29,117,000 | 31,259,000 |
| Equity capital | 10,409,000 | 10,731,000 | 11,039,000 | 11,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,179,000 | 3,205,000 | 4,204,000 |
| Interest expense | 41,000 | 82,000 | 121,000 | 158,000 |
| Net interest income | 1,060,000 | 2,097,000 | 3,084,000 | 4,046,000 |
| Noninterest income | 76,000 | 153,000 | 342,000 | 411,000 |
| Noninterest expense | 935,000 | 1,852,000 | 2,776,000 | 3,680,000 |
| Provision for loan losses | 30,000 | 60,000 | 130,000 | 160,000 |
| Pretax income | 171,000 | 338,000 | 520,000 | 685,000 |
| Income tax | 33,000 | 61,000 | 96,000 | 111,000 |
| Net income | 138,000 | 277,000 | 424,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,615,000 | 10,753,000 | 10,901,000 | 10,893,000 |
| Total capital | 11,467,000 | 11,563,000 | 11,689,000 | 11,681,000 |
| Risk-weighted assets | 68,080,000 | 65,739,000 | 62,956,000 | 62,952,000 |
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