Call reports 2015
NORTH CENTRAL BANK — 2015
What NORTH CENTRAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 130,846,000 | 133,171,000 | 132,123,000 | 129,078,000 |
| Total loans | 77,210,000 | 76,715,000 | 73,256,000 | 71,494,000 |
| Allowance for loan losses | 1,143,000 | 1,159,000 | 1,158,000 | 1,143,000 |
| Securities available for sale | 42,301,000 | 39,966,000 | 40,364,000 | 43,968,000 |
| Securities held to maturity | 1,366,000 | 1,364,000 | 1,362,000 | 1,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,193,000 | 110,571,000 | 110,142,000 | 105,868,000 |
| Interest-bearing deposits | 95,826,000 | 99,226,000 | 98,316,000 | 94,135,000 |
| Noninterest-bearing deposits | 11,367,000 | 11,345,000 | 11,826,000 | 11,733,000 |
| Equity capital | 16,503,000 | 16,525,000 | 16,792,000 | 16,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,127,000 | 2,255,000 | 3,365,000 | 4,466,000 |
| Interest expense | 140,000 | 277,000 | 409,000 | 537,000 |
| Net interest income | 987,000 | 1,978,000 | 2,956,000 | 3,929,000 |
| Noninterest income | 913,000 | 1,068,000 | 1,220,000 | 1,357,000 |
| Noninterest expense | 1,094,000 | 1,869,000 | 2,627,000 | 3,385,000 |
| Provision for loan losses | 86,000 | 121,000 | 130,000 | 130,000 |
| Pretax income | 719,000 | 1,068,000 | 1,431,000 | 1,785,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 12,000 |
| Net income | 714,000 | 1,059,000 | 1,417,000 | 1,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,493,000 | 13,692,000 | 13,915,000 | 13,799,000 |
| Total capital | 14,561,000 | 14,772,000 | 14,942,000 | 14,796,000 |
| Risk-weighted assets | 85,374,000 | 86,339,000 | 82,055,000 | 79,633,000 |