Call reports 2005
NORTH CENTRAL BANK — 2005
What NORTH CENTRAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 94,152,000 | 94,930,000 | 100,037,000 | 97,195,000 |
| Total loans | 47,517,000 | 49,382,000 | 51,009,000 | 52,935,000 |
| Allowance for loan losses | 795,000 | 797,000 | 789,000 | 768,000 |
| Securities available for sale | 40,264,000 | 39,199,000 | 37,193,000 | 38,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,178,000 | 78,374,000 | 83,761,000 | 79,998,000 |
| Interest-bearing deposits | 72,389,000 | 72,322,000 | 77,673,000 | 73,902,000 |
| Noninterest-bearing deposits | 5,789,000 | 6,052,000 | 6,088,000 | 6,096,000 |
| Equity capital | 11,760,000 | 12,232,000 | 12,487,000 | 12,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,116,000 | 2,263,000 | 3,454,000 | 4,691,000 |
| Interest expense | 426,000 | 867,000 | 1,348,000 | 1,854,000 |
| Net interest income | 690,000 | 1,396,000 | 2,106,000 | 2,837,000 |
| Noninterest income | 64,000 | 146,000 | 224,000 | 310,000 |
| Noninterest expense | 491,000 | 993,000 | 1,470,000 | 1,967,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 263,000 | 549,000 | 860,000 | 1,180,000 |
| Income tax | 2,000 | 3,000 | -144,000 | -152,000 |
| Net income | 261,000 | 546,000 | 1,004,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,465,000 | 9,750,000 | 10,208,000 | 10,536,000 |
| Total capital | 10,030,000 | 10,342,000 | 10,837,000 | 11,181,000 |
| Risk-weighted assets | 44,931,000 | 47,165,000 | 50,176,000 | 51,449,000 |