Call reports 2004
NORTH STAR BANK — 2004
What NORTH STAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 248,353,000 | 255,975,000 | 254,206,000 | 243,978,000 |
| Total loans | 176,453,000 | 182,097,000 | 178,605,000 | 170,458,000 |
| Allowance for loan losses | 1,966,000 | 2,901,000 | 3,460,000 | 2,548,000 |
| Securities available for sale | 47,979,000 | 49,363,000 | 50,713,000 | 51,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,916,000 | 209,803,000 | 222,959,000 | 212,834,000 |
| Interest-bearing deposits | 177,793,000 | 171,370,000 | 187,241,000 | 179,244,000 |
| Noninterest-bearing deposits | 35,123,000 | 38,433,000 | 35,718,000 | 33,590,000 |
| Equity capital | 24,484,000 | 23,818,000 | 24,495,000 | 18,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,025,000 | 6,064,000 | 9,297,000 | 12,440,000 |
| Interest expense | 661,000 | 1,376,000 | 2,134,000 | 2,916,000 |
| Net interest income | 2,364,000 | 4,688,000 | 7,163,000 | 9,524,000 |
| Noninterest income | 41,000 | 80,000 | 282,000 | 463,000 |
| Noninterest expense | 1,808,000 | 3,605,000 | 5,371,000 | 7,168,000 |
| Provision for loan losses | 30,000 | 904,000 | 1,469,000 | 1,962,000 |
| Pretax income | 574,000 | 273,000 | 614,000 | 874,000 |
| Income tax | 139,000 | -86,000 | -63,000 | -73,000 |
| Net income | 435,000 | 359,000 | 677,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,061,000 | 23,985,000 | 24,303,000 | 18,473,000 |
| Total capital | 26,027,000 | 26,525,000 | 26,801,000 | 20,886,000 |
| Risk-weighted assets | 195,753,000 | 202,817,000 | 198,841,000 | 192,941,000 |
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