Call reports 2013
NORTH CENTRAL BANK — 2013
What NORTH CENTRAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,490,000 | 133,334,000 | 129,736,000 | 133,279,000 |
| Total loans | 66,059,000 | 66,734,000 | 69,030,000 | 75,904,000 |
| Allowance for loan losses | 1,086,000 | 1,086,000 | 1,087,000 | 1,087,000 |
| Securities available for sale | 49,073,000 | 48,265,000 | 47,034,000 | 45,653,000 |
| Securities held to maturity | 1,880,000 | 1,876,000 | 1,872,000 | 1,628,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,035,000 | 113,214,000 | 109,607,000 | 107,374,000 |
| Interest-bearing deposits | 98,478,000 | 102,679,000 | 100,326,000 | 96,275,000 |
| Noninterest-bearing deposits | 10,557,000 | 10,535,000 | 9,281,000 | 11,099,000 |
| Equity capital | 15,444,000 | 15,052,000 | 15,003,000 | 14,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,183,000 | 3,240,000 | 4,362,000 |
| Interest expense | 210,000 | 397,000 | 578,000 | 749,000 |
| Net interest income | 882,000 | 1,786,000 | 2,662,000 | 3,613,000 |
| Noninterest income | 157,000 | 330,000 | 493,000 | 635,000 |
| Noninterest expense | 711,000 | 1,377,000 | 2,026,000 | 2,690,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 328,000 | 739,000 | 1,129,000 | 1,422,000 |
| Income tax | 0 | 0 | 0 | 20,000 |
| Net income | 328,000 | 739,000 | 1,129,000 | 1,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,205,000 | 12,375,000 | 12,600,000 | 12,411,000 |
| Total capital | 13,156,000 | 13,345,000 | 13,584,000 | 13,482,000 |
| Risk-weighted assets | 75,935,000 | 77,485,000 | 78,647,000 | 85,634,000 |