Call reports 2018
NORTH CENTRAL BANK — 2018
What NORTH CENTRAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 122,407,000 | 124,945,000 | 123,900,000 | 120,765,000 |
| Total loans | 64,971,000 | 62,087,000 | 63,415,000 | 68,048,000 |
| Allowance for loan losses | 1,271,000 | 1,270,000 | 1,252,000 | 1,275,000 |
| Securities available for sale | 44,817,000 | 43,576,000 | 42,202,000 | 40,522,000 |
| Securities held to maturity | 976,000 | 975,000 | 975,000 | 725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,239,000 | 105,278,000 | 104,227,000 | 99,581,000 |
| Interest-bearing deposits | 88,581,000 | 90,454,000 | 91,109,000 | 85,611,000 |
| Noninterest-bearing deposits | 13,658,000 | 14,824,000 | 13,118,000 | 13,970,000 |
| Equity capital | 15,389,000 | 15,487,000 | 15,383,000 | 15,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,098,000 | 3,152,000 | 4,222,000 |
| Interest expense | 111,000 | 226,000 | 348,000 | 468,000 |
| Net interest income | 927,000 | 1,872,000 | 2,804,000 | 3,754,000 |
| Noninterest income | 194,000 | 416,000 | 647,000 | 836,000 |
| Noninterest expense | 807,000 | 1,586,000 | 2,388,000 | 3,110,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 382,000 | 770,000 | 1,131,000 | 1,485,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 20,000 |
| Net income | 377,000 | 761,000 | 1,117,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,134,000 | 14,299,000 | 14,356,000 | 14,245,000 |
| Total capital | 15,088,000 | 15,249,000 | 15,303,000 | 15,205,000 |
| Risk-weighted assets | 76,003,000 | 75,693,000 | 75,468,000 | 76,460,000 |