Call reports 2022
NORTH CENTRAL BANK — 2022
What NORTH CENTRAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 156,193,000 | 159,289,000 | 155,010,000 | 155,536,000 |
| Total loans | 87,992,000 | 89,994,000 | 90,408,000 | 93,076,000 |
| Allowance for loan losses | 1,289,000 | 1,289,000 | 1,284,000 | 1,283,000 |
| Securities available for sale | 40,836,000 | 40,036,000 | 40,393,000 | 40,089,000 |
| Securities held to maturity | 21,000 | 21,000 | 21,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,538,000 | 134,104,000 | 130,360,000 | 130,284,000 |
| Interest-bearing deposits | 103,297,000 | 110,576,000 | 108,419,000 | 104,143,000 |
| Noninterest-bearing deposits | 25,241,000 | 23,528,000 | 21,941,000 | 26,141,000 |
| Equity capital | 16,978,000 | 14,451,000 | 13,812,000 | 15,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,315,000 | 3,618,000 | 4,991,000 |
| Interest expense | 67,000 | 154,000 | 271,000 | 475,000 |
| Net interest income | 1,045,000 | 2,161,000 | 3,347,000 | 4,516,000 |
| Noninterest income | 248,000 | 496,000 | 744,000 | 975,000 |
| Noninterest expense | 890,000 | 1,738,000 | 2,695,000 | 3,635,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 403,000 | 919,000 | 1,396,000 | 1,856,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 25,000 |
| Net income | 397,000 | 906,000 | 1,377,000 | 1,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,321,000 | 16,583,000 | 16,899,000 | 17,353,000 |