Call reports 2004
NORTH CENTRAL BANK — 2004
What NORTH CENTRAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 95,902,000 | 94,155,000 | 94,086,000 | 94,907,000 |
| Total loans | 44,280,000 | 43,595,000 | 44,951,000 | 45,195,000 |
| Allowance for loan losses | 737,000 | 771,000 | 791,000 | 796,000 |
| Securities available for sale | 44,804,000 | 44,685,000 | 43,361,000 | 38,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,610,000 | 77,714,000 | 76,514,000 | 79,205,000 |
| Interest-bearing deposits | 73,174,000 | 72,783,000 | 71,166,000 | 73,420,000 |
| Noninterest-bearing deposits | 5,436,000 | 4,931,000 | 5,348,000 | 5,785,000 |
| Equity capital | 11,947,000 | 11,369,000 | 12,098,000 | 11,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,273,000 | 3,401,000 | 4,537,000 |
| Interest expense | 462,000 | 906,000 | 1,342,000 | 1,781,000 |
| Net interest income | 696,000 | 1,367,000 | 2,059,000 | 2,756,000 |
| Noninterest income | 106,000 | 201,000 | 282,000 | 344,000 |
| Noninterest expense | 419,000 | 860,000 | 1,299,000 | 1,764,000 |
| Provision for loan losses | 24,000 | 48,000 | 68,000 | 74,000 |
| Pretax income | 359,000 | 656,000 | 970,000 | 1,549,000 |
| Income tax | 96,000 | 178,000 | 259,000 | 430,000 |
| Net income | 263,000 | 478,000 | 711,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,773,000 | 8,988,000 | 9,221,000 | 9,224,000 |
| Total capital | 9,319,000 | 9,525,000 | 9,894,000 | 9,764,000 |
| Risk-weighted assets | 43,480,000 | 42,725,000 | 53,744,000 | 42,957,000 |