Call reports 2011
NORTH CENTRAL BANK — 2011
What NORTH CENTRAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 118,607,000 | 127,759,000 | 125,652,000 | 124,064,000 |
| Total loans | 63,925,000 | 64,950,000 | 67,356,000 | 65,274,000 |
| Allowance for loan losses | 930,000 | 975,000 | 1,030,000 | 1,011,000 |
| Securities available for sale | 37,307,000 | 40,737,000 | 38,100,000 | 38,920,000 |
| Securities held to maturity | 1,338,000 | 1,338,000 | 1,338,000 | 2,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,790,000 | 108,134,000 | 105,608,000 | 103,530,000 |
| Interest-bearing deposits | 94,396,000 | 101,110,000 | 98,219,000 | 95,158,000 |
| Noninterest-bearing deposits | 7,394,000 | 7,024,000 | 7,389,000 | 8,372,000 |
| Equity capital | 14,286,000 | 14,656,000 | 15,040,000 | 14,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,242,000 | 2,491,000 | 3,778,000 | 5,050,000 |
| Interest expense | 334,000 | 668,000 | 1,004,000 | 1,308,000 |
| Net interest income | 908,000 | 1,823,000 | 2,774,000 | 3,742,000 |
| Noninterest income | 106,000 | 232,000 | 382,000 | 640,000 |
| Noninterest expense | 654,000 | 1,301,000 | 1,904,000 | 2,549,000 |
| Provision for loan losses | 81,000 | 121,000 | 142,000 | 172,000 |
| Pretax income | 279,000 | 670,000 | 1,153,000 | 1,704,000 |
| Income tax | 0 | 0 | 0 | 24,000 |
| Net income | 279,000 | 670,000 | 1,153,000 | 1,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,182,000 | 11,353,000 | 11,671,000 | 11,560,000 |
| Total capital | 12,053,000 | 12,271,000 | 12,607,000 | 12,465,000 |
| Risk-weighted assets | 69,642,000 | 73,346,000 | 74,819,000 | 72,282,000 |