Call reports 2014
NORTH CENTRAL BANK — 2014
What NORTH CENTRAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,384,000 | 137,135,000 | 133,431,000 | 134,169,000 |
| Total loans | 76,541,000 | 77,763,000 | 77,452,000 | 79,178,000 |
| Allowance for loan losses | 1,058,000 | 1,046,000 | 1,048,000 | 1,064,000 |
| Securities available for sale | 44,980,000 | 44,137,000 | 42,973,000 | 41,706,000 |
| Securities held to maturity | 1,625,000 | 1,623,000 | 1,620,000 | 1,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,274,000 | 116,338,000 | 111,293,000 | 109,055,000 |
| Interest-bearing deposits | 98,262,000 | 105,617,000 | 100,301,000 | 97,313,000 |
| Noninterest-bearing deposits | 10,012,000 | 10,721,000 | 10,992,000 | 11,742,000 |
| Equity capital | 15,322,000 | 15,667,000 | 15,944,000 | 15,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,125,000 | 2,272,000 | 3,441,000 | 4,601,000 |
| Interest expense | 163,000 | 315,000 | 465,000 | 614,000 |
| Net interest income | 962,000 | 1,957,000 | 2,976,000 | 3,987,000 |
| Noninterest income | 138,000 | 316,000 | 486,000 | 656,000 |
| Noninterest expense | 738,000 | 1,584,000 | 2,355,000 | 3,108,000 |
| Provision for loan losses | 93,000 | 97,000 | 99,000 | 114,000 |
| Pretax income | 313,000 | 703,000 | 1,111,000 | 1,535,000 |
| Income tax | 0 | 0 | 5,000 | 19,000 |
| Net income | 313,000 | 703,000 | 1,106,000 | 1,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,713,000 | 12,791,000 | 13,055,000 | 13,003,000 |
| Total capital | 13,771,000 | 13,837,000 | 14,103,000 | 14,067,000 |
| Risk-weighted assets | 86,277,000 | 88,434,000 | 87,723,000 | 87,634,000 |