Call reports 2007
NORTH CENTRAL BANK — 2007
What NORTH CENTRAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 99,154,000 | 98,384,000 | 99,311,000 | 105,736,000 |
| Total loans | 56,337,000 | 56,126,000 | 58,122,000 | 57,815,000 |
| Allowance for loan losses | 776,000 | 773,000 | 776,000 | 780,000 |
| Securities available for sale | 32,722,000 | 34,205,000 | 32,522,000 | 31,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,921,000 | 82,240,000 | 82,562,000 | 88,768,000 |
| Interest-bearing deposits | 76,858,000 | 76,418,000 | 76,724,000 | 81,924,000 |
| Noninterest-bearing deposits | 6,063,000 | 5,822,000 | 5,838,000 | 6,844,000 |
| Equity capital | 12,883,000 | 12,731,000 | 13,264,000 | 12,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,351,000 | 2,754,000 | 4,185,000 | 5,668,000 |
| Interest expense | 673,000 | 1,380,000 | 2,099,000 | 2,870,000 |
| Net interest income | 678,000 | 1,374,000 | 2,086,000 | 2,798,000 |
| Noninterest income | 73,000 | 168,000 | 261,000 | 378,000 |
| Noninterest expense | 530,000 | 1,073,000 | 1,592,000 | 2,108,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 469,000 | 755,000 | 1,068,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 220,000 | 468,000 | 754,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,418,000 | 10,543,000 | 10,746,000 | 10,003,000 |
| Total capital | 11,086,000 | 11,203,000 | 11,428,000 | 10,696,000 |
| Risk-weighted assets | 53,298,000 | 52,712,000 | 54,477,000 | 55,357,000 |