Call reports 2016
NORTH CENTRAL BANK — 2016
What NORTH CENTRAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 128,996,000 | 131,785,000 | 132,739,000 | 128,134,000 |
| Total loans | 70,060,000 | 69,407,000 | 67,280,000 | 66,082,000 |
| Allowance for loan losses | 1,135,000 | 1,135,000 | 1,329,000 | 1,313,000 |
| Securities available for sale | 44,368,000 | 46,978,000 | 45,814,000 | 50,342,000 |
| Securities held to maturity | 1,625,000 | 1,622,000 | 1,620,000 | 1,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,965,000 | 109,539,000 | 109,174,000 | 105,859,000 |
| Interest-bearing deposits | 94,385,000 | 97,199,000 | 96,356,000 | 90,865,000 |
| Noninterest-bearing deposits | 12,580,000 | 12,340,000 | 12,818,000 | 14,994,000 |
| Equity capital | 16,905,000 | 17,087,000 | 17,257,000 | 16,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,089,000 | 2,178,000 | 3,302,000 | 4,375,000 |
| Interest expense | 120,000 | 238,000 | 356,000 | 474,000 |
| Net interest income | 969,000 | 1,940,000 | 2,946,000 | 3,901,000 |
| Noninterest income | 151,000 | 302,000 | 466,000 | 638,000 |
| Noninterest expense | 777,000 | 1,542,000 | 2,351,000 | 2,949,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 344,000 | 701,000 | 1,101,000 | 1,583,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 22,000 |
| Net income | 339,000 | 692,000 | 1,087,000 | 1,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,017,000 | 14,094,000 | 14,339,000 | 14,296,000 |
| Total capital | 15,005,000 | 15,095,000 | 15,321,000 | 15,248,000 |
| Risk-weighted assets | 78,915,000 | 79,943,000 | 78,235,000 | 75,834,000 |