Call reports 2002
NORTH CENTRAL BANK — 2002
What NORTH CENTRAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 91,877,000 | 93,498,000 | 97,752,000 | 95,475,000 |
| Total loans | 41,219,000 | 40,339,000 | 40,895,000 | 41,869,000 |
| Allowance for loan losses | 704,000 | 731,000 | 728,000 | 743,000 |
| Securities available for sale | 40,189,000 | 39,979,000 | 40,089,000 | 41,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,617,000 | 77,387,000 | 81,091,000 | 79,177,000 |
| Interest-bearing deposits | 71,480,000 | 72,174,000 | 75,782,000 | 73,288,000 |
| Noninterest-bearing deposits | 5,137,000 | 5,213,000 | 5,309,000 | 5,889,000 |
| Equity capital | 10,374,000 | 11,012,000 | 11,437,000 | 11,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,665,000 | 3,968,000 | 5,247,000 |
| Interest expense | 705,000 | 1,390,000 | 2,071,000 | 2,708,000 |
| Net interest income | 628,000 | 1,275,000 | 1,897,000 | 2,539,000 |
| Noninterest income | 88,000 | 182,000 | 285,000 | 391,000 |
| Noninterest expense | 415,000 | 846,000 | 1,272,000 | 1,752,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 285,000 | 579,000 | 854,000 | 1,103,000 |
| Income tax | 57,000 | 119,000 | 166,000 | 212,000 |
| Net income | 228,000 | 460,000 | 688,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,680,000 | 7,912,000 | 8,140,000 | 7,993,000 |
| Total capital | 8,187,000 | 8,420,000 | 8,670,000 | 8,522,000 |
| Risk-weighted assets | 40,336,000 | 40,397,000 | 42,183,000 | 42,134,000 |