Call reports 2021
NORTH CENTRAL BANK — 2021
What NORTH CENTRAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 138,806,000 | 149,561,000 | 153,707,000 | 145,796,000 |
| Total loans | 77,401,000 | 77,889,000 | 83,265,000 | 87,716,000 |
| Allowance for loan losses | 1,296,000 | 1,292,000 | 1,289,000 | 1,289,000 |
| Securities available for sale | 35,636,000 | 46,710,000 | 46,947,000 | 40,780,000 |
| Securities held to maturity | 42,000 | 42,000 | 42,000 | 21,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,945,000 | 121,803,000 | 125,507,000 | 115,340,000 |
| Interest-bearing deposits | 91,993,000 | 101,483,000 | 102,689,000 | 93,886,000 |
| Noninterest-bearing deposits | 18,952,000 | 20,320,000 | 22,818,000 | 21,454,000 |
| Equity capital | 19,159,000 | 18,997,000 | 19,383,000 | 19,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,058,000 | 2,148,000 | 3,260,000 | 4,462,000 |
| Interest expense | 92,000 | 175,000 | 251,000 | 321,000 |
| Net interest income | 966,000 | 1,973,000 | 3,009,000 | 4,141,000 |
| Noninterest income | 252,000 | 487,000 | 786,000 | 1,065,000 |
| Noninterest expense | 859,000 | 1,656,000 | 2,497,000 | 3,295,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 349,000 | 794,000 | 1,288,000 | 1,954,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 28,000 |
| Net income | 344,000 | 784,000 | 1,273,000 | 1,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,876,000 | 15,653,000 | 15,991,000 | 16,645,000 |