Call reports 2009
NORTH CENTRAL BANK — 2009
What NORTH CENTRAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 111,942,000 | 114,091,000 | 115,499,000 | 115,554,000 |
| Total loans | 60,565,000 | 58,879,000 | 63,415,000 | 64,389,000 |
| Allowance for loan losses | 813,000 | 836,000 | 968,000 | 968,000 |
| Securities available for sale | 37,937,000 | 39,445,000 | 40,287,000 | 38,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,347,000 | 97,610,000 | 98,654,000 | 98,578,000 |
| Interest-bearing deposits | 88,325,000 | 90,814,000 | 92,463,000 | 91,696,000 |
| Noninterest-bearing deposits | 7,022,000 | 6,796,000 | 6,191,000 | 6,882,000 |
| Equity capital | 13,976,000 | 13,741,000 | 14,199,000 | 13,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,740,000 | 4,089,000 | 5,460,000 |
| Interest expense | 593,000 | 1,162,000 | 1,712,000 | 2,205,000 |
| Net interest income | 823,000 | 1,578,000 | 2,377,000 | 3,255,000 |
| Noninterest income | 149,000 | 294,000 | 406,000 | 504,000 |
| Noninterest expense | 557,000 | 1,123,000 | 1,704,000 | 2,291,000 |
| Provision for loan losses | 7,000 | 34,000 | 169,000 | 391,000 |
| Pretax income | 419,000 | 729,000 | 934,000 | 1,101,000 |
| Income tax | 0 | 0 | 0 | 12,000 |
| Net income | 419,000 | 729,000 | 934,000 | 1,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,747,000 | 10,803,000 | 10,922,000 | 10,583,000 |
| Total capital | 11,495,000 | 11,548,000 | 11,717,000 | 11,397,000 |
| Risk-weighted assets | 59,774,000 | 59,502,000 | 63,390,000 | 64,930,000 |