Call reports 2012
NORTH CENTRAL BANK — 2012
What NORTH CENTRAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,083,000 | 130,730,000 | 129,671,000 | 131,035,000 |
| Total loans | 63,924,000 | 63,457,000 | 61,395,000 | 68,183,000 |
| Allowance for loan losses | 1,007,000 | 1,009,000 | 1,087,000 | 1,088,000 |
| Securities available for sale | 44,645,000 | 46,983,000 | 46,765,000 | 46,755,000 |
| Securities held to maturity | 2,128,000 | 2,124,000 | 2,119,000 | 1,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,057,000 | 110,410,000 | 108,953,000 | 110,128,000 |
| Interest-bearing deposits | 100,075,000 | 102,178,000 | 101,134,000 | 100,052,000 |
| Noninterest-bearing deposits | 8,982,000 | 8,232,000 | 7,819,000 | 10,076,000 |
| Equity capital | 15,094,000 | 15,334,000 | 15,671,000 | 15,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,402,000 | 3,536,000 | 4,692,000 |
| Interest expense | 287,000 | 558,000 | 813,000 | 1,052,000 |
| Net interest income | 924,000 | 1,844,000 | 2,723,000 | 3,640,000 |
| Noninterest income | 148,000 | 314,000 | 496,000 | 724,000 |
| Noninterest expense | 682,000 | 1,304,000 | 1,936,000 | 2,711,000 |
| Provision for loan losses | 0 | 0 | 106,000 | 106,000 |
| Pretax income | 394,000 | 861,000 | 1,183,000 | 1,554,000 |
| Income tax | 0 | 0 | 0 | 20,000 |
| Net income | 394,000 | 861,000 | 1,183,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,802,000 | 12,017,000 | 12,218,000 | 12,027,000 |
| Total capital | 12,708,000 | 12,924,000 | 13,108,000 | 12,985,000 |
| Risk-weighted assets | 72,359,000 | 72,430,000 | 70,984,000 | 76,533,000 |