Call reports 2003
NORTH CENTRAL BANK — 2003
What NORTH CENTRAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 97,677,000 | 96,952,000 | 98,657,000 | 98,349,000 |
| Total loans | 43,525,000 | 43,723,000 | 44,763,000 | 44,642,000 |
| Allowance for loan losses | 752,000 | 774,000 | 727,000 | 744,000 |
| Securities available for sale | 39,116,000 | 40,812,000 | 47,419,000 | 47,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,134,000 | 79,920,000 | 80,962,000 | 81,675,000 |
| Interest-bearing deposits | 76,185,000 | 74,728,000 | 75,767,000 | 74,638,000 |
| Noninterest-bearing deposits | 4,949,000 | 5,192,000 | 5,195,000 | 7,037,000 |
| Equity capital | 11,400,000 | 11,781,000 | 11,614,000 | 11,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,244,000 | 2,435,000 | 3,602,000 | 4,788,000 |
| Interest expense | 580,000 | 1,138,000 | 1,660,000 | 2,149,000 |
| Net interest income | 664,000 | 1,297,000 | 1,942,000 | 2,639,000 |
| Noninterest income | 82,000 | 184,000 | 290,000 | 336,000 |
| Noninterest expense | 428,000 | 858,000 | 1,277,000 | 1,703,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 294,000 | 589,000 | 897,000 | 1,190,000 |
| Income tax | 62,000 | 130,000 | 198,000 | 266,000 |
| Net income | 232,000 | 459,000 | 699,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,225,000 | 8,452,000 | 8,692,000 | 8,510,000 |
| Total capital | 8,774,000 | 8,997,000 | 9,254,000 | 9,071,000 |
| Risk-weighted assets | 43,735,000 | 43,394,000 | 44,758,000 | 44,697,000 |