Call reports 2019
NORTH CENTRAL BANK — 2019
What NORTH CENTRAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 121,030,000 | 124,409,000 | 124,888,000 | 121,267,000 |
| Total loans | 68,017,000 | 66,300,000 | 68,314,000 | 71,806,000 |
| Allowance for loan losses | 1,282,000 | 1,282,000 | 1,278,000 | 1,269,000 |
| Securities available for sale | 39,910,000 | 37,873,000 | 37,446,000 | 33,090,000 |
| Securities held to maturity | 725,000 | 724,000 | 723,000 | 550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,170,000 | 103,143,000 | 103,179,000 | 101,235,000 |
| Interest-bearing deposits | 85,876,000 | 88,970,000 | 88,867,000 | 86,828,000 |
| Noninterest-bearing deposits | 14,294,000 | 14,173,000 | 14,312,000 | 14,407,000 |
| Equity capital | 16,270,000 | 17,011,000 | 17,397,000 | 17,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,229,000 | 3,359,000 | 4,559,000 |
| Interest expense | 143,000 | 300,000 | 473,000 | 683,000 |
| Net interest income | 967,000 | 1,929,000 | 2,886,000 | 3,876,000 |
| Noninterest income | 181,000 | 387,000 | 584,000 | 781,000 |
| Noninterest expense | 818,000 | 1,608,000 | 2,433,000 | 3,249,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 330,000 | 708,000 | 1,037,000 | 1,399,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 18,000 |
| Net income | 325,000 | 699,000 | 1,023,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,387,000 | 14,565,000 | 14,791,000 | 14,676,000 |
| Total capital | 15,375,000 | 15,542,000 | 15,778,000 | 15,853,000 |
| Risk-weighted assets | 78,811,000 | 77,900,000 | 78,697,000 | 94,143,000 |