Call reports 2025
NORTH CENTRAL BANK — 2025
What NORTH CENTRAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 153,862,000 | 164,947,000 | 164,349,000 | 159,348,000 |
| Total loans | 85,263,000 | 84,920,000 | 85,880,000 | 87,231,000 |
| Allowance for loan losses | 1,296,000 | 1,296,000 | 1,297,000 | 1,285,000 |
| Securities available for sale | 45,798,000 | 44,520,000 | 47,861,000 | 49,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,812,000 | 145,684,000 | 143,345,000 | 137,257,000 |
| Interest-bearing deposits | 113,252,000 | 120,963,000 | 121,868,000 | 116,488,000 |
| Noninterest-bearing deposits | 21,560,000 | 24,721,000 | 21,477,000 | 20,769,000 |
| Equity capital | 17,197,000 | 17,238,000 | 18,877,000 | 19,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,503,000 | 5,395,000 | 7,309,000 |
| Interest expense | 532,000 | 1,049,000 | 1,604,000 | 2,141,000 |
| Net interest income | 1,140,000 | 2,454,000 | 3,791,000 | 5,168,000 |
| Noninterest income | 329,000 | 601,000 | 874,000 | 1,195,000 |
| Noninterest expense | 1,013,000 | 2,012,000 | 2,984,000 | 4,080,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 456,000 | 1,043,000 | 1,681,000 | 2,283,000 |
| Income tax | 7,000 | 14,000 | 20,000 | 30,000 |
| Net income | 449,000 | 1,029,000 | 1,661,000 | 2,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,712,000 | 19,021,000 | 19,341,000 | 19,905,000 |