Call reports 2010
NORTH CENTRAL BANK — 2010
What NORTH CENTRAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 117,987,000 | 120,716,000 | 117,532,000 | 114,879,000 |
| Total loans | 64,818,000 | 63,445,000 | 62,544,000 | 62,456,000 |
| Allowance for loan losses | 730,000 | 731,000 | 794,000 | 850,000 |
| Securities available for sale | 36,259,000 | 36,386,000 | 38,229,000 | 36,601,000 |
| Securities held to maturity | 0 | 0 | 350,000 | 1,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,387,000 | 103,774,000 | 100,301,000 | 97,601,000 |
| Interest-bearing deposits | 94,724,000 | 97,539,000 | 93,639,000 | 90,581,000 |
| Noninterest-bearing deposits | 6,663,000 | 6,235,000 | 6,662,000 | 7,020,000 |
| Equity capital | 14,044,000 | 14,336,000 | 14,590,000 | 14,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,329,000 | 2,639,000 | 3,939,000 | 5,251,000 |
| Interest expense | 436,000 | 858,000 | 1,253,000 | 1,616,000 |
| Net interest income | 893,000 | 1,781,000 | 2,686,000 | 3,635,000 |
| Noninterest income | 85,000 | 190,000 | 336,000 | 480,000 |
| Noninterest expense | 601,000 | 1,229,000 | 1,912,000 | 2,431,000 |
| Provision for loan losses | 102,000 | 267,000 | 351,000 | 406,000 |
| Pretax income | 277,000 | 505,000 | 792,000 | 1,311,000 |
| Income tax | 0 | 0 | 0 | 16,000 |
| Net income | 277,000 | 505,000 | 792,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,738,000 | 10,937,000 | 11,127,000 | 11,079,000 |
| Total capital | 11,468,000 | 11,668,000 | 11,921,000 | 11,921,000 |
| Risk-weighted assets | 67,205,000 | 66,950,000 | 66,553,000 | 67,334,000 |