Call reports 2015
NORTH BANK — 2015
What NORTH BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 106,035,000 | 111,886,000 |
| Total loans | 52,769,000 | 54,613,000 |
| Allowance for loan losses | 927,000 | 956,000 |
| Securities available for sale | 41,443,000 | 12,861,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 93,999,000 | 100,845,000 |
| Interest-bearing deposits | 64,168,000 | 63,884,000 |
| Noninterest-bearing deposits | 29,831,000 | 36,961,000 |
| Equity capital | 11,336,000 | 10,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 932,000 | 1,813,000 |
| Interest expense | 27,000 | 55,000 |
| Net interest income | 905,000 | 1,758,000 |
| Noninterest income | 66,000 | 228,000 |
| Noninterest expense | 902,000 | 2,433,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 68,000 | -186,000 |
| Income tax | -4,000 | -12,000 |
| Net income | 72,000 | -174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 10,963,000 | 10,717,000 |
| Total capital | 11,689,000 | 11,375,000 |
| Risk-weighted assets | 57,899,000 | 52,374,000 |