Call reports 2023
NORTH CENTRAL BANK — 2023
What NORTH CENTRAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 157,093,000 | 157,820,000 | 150,290,000 | 153,297,000 |
| Total loans | 87,939,000 | 87,464,000 | 88,797,000 | 86,819,000 |
| Allowance for loan losses | 1,265,000 | 1,416,000 | 1,417,000 | 1,342,000 |
| Securities available for sale | 40,771,000 | 40,609,000 | 41,480,000 | 43,507,000 |
| Securities held to maturity | 39,000 | 39,000 | 39,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,794,000 | 140,003,000 | 133,258,000 | 133,529,000 |
| Interest-bearing deposits | 109,421,000 | 114,231,000 | 113,689,000 | 112,315,000 |
| Noninterest-bearing deposits | 24,373,000 | 25,772,000 | 19,569,000 | 21,214,000 |
| Equity capital | 14,999,000 | 14,933,000 | 14,102,000 | 16,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,956,000 | 4,548,000 | 6,277,000 |
| Interest expense | 321,000 | 695,000 | 1,134,000 | 1,648,000 |
| Net interest income | 1,109,000 | 2,261,000 | 3,414,000 | 4,629,000 |
| Noninterest income | 220,000 | 465,000 | 712,000 | 964,000 |
| Noninterest expense | 939,000 | 1,822,000 | 2,756,000 | 3,641,000 |
| Provision for loan losses | 25,000 | 175,000 | 175,000 | 100,000 |
| Pretax income | 365,000 | 729,000 | 1,195,000 | 1,852,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 27,000 |
| Net income | 358,000 | 716,000 | 1,175,000 | 1,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,084,000 | 17,212,000 | 17,519,000 | 18,147,000 |