Call reports 2006
NORTH CENTRAL BANK — 2006
What NORTH CENTRAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,271,000 | 93,612,000 | 95,656,000 | 95,092,000 |
| Total loans | 51,147,000 | 51,969,000 | 53,957,000 | 54,722,000 |
| Allowance for loan losses | 759,000 | 774,000 | 775,000 | 775,000 |
| Securities available for sale | 35,736,000 | 33,123,000 | 34,660,000 | 32,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,736,000 | 78,200,000 | 79,464,000 | 78,575,000 |
| Interest-bearing deposits | 71,873,000 | 72,437,000 | 72,990,000 | 72,242,000 |
| Noninterest-bearing deposits | 5,863,000 | 5,763,000 | 6,474,000 | 6,333,000 |
| Equity capital | 12,256,000 | 12,081,000 | 12,768,000 | 13,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,210,000 | 2,439,000 | 3,748,000 | 5,064,000 |
| Interest expense | 511,000 | 1,056,000 | 1,653,000 | 2,302,000 |
| Net interest income | 699,000 | 1,383,000 | 2,095,000 | 2,762,000 |
| Noninterest income | 79,000 | 178,000 | 272,000 | 354,000 |
| Noninterest expense | 486,000 | 1,006,000 | 1,514,000 | 2,003,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 292,000 | 555,000 | 853,000 | 1,145,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 4,000 |
| Net income | 291,000 | 553,000 | 849,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,201,000 | 10,255,000 | 10,454,000 | 10,746,000 |
| Total capital | 10,807,000 | 10,882,000 | 11,081,000 | 11,391,000 |
| Risk-weighted assets | 48,342,000 | 50,013,000 | 51,510,000 | 51,467,000 |