Call reports 2005
NORTH STAR BANK — 2005
What NORTH STAR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 250,459,000 | 248,001,000 | 249,971,000 | 245,336,000 |
| Total loans | 168,599,000 | 171,284,000 | 175,995,000 | 176,037,000 |
| Allowance for loan losses | 2,608,000 | 2,592,000 | 2,672,000 | 2,751,000 |
| Securities available for sale | 50,850,000 | 55,878,000 | 50,094,000 | 48,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,263,000 | 221,007,000 | 224,574,000 | 220,140,000 |
| Interest-bearing deposits | 184,295,000 | 182,732,000 | 184,334,000 | 185,610,000 |
| Noninterest-bearing deposits | 35,968,000 | 38,275,000 | 40,240,000 | 34,530,000 |
| Equity capital | 18,462,000 | 19,316,000 | 18,959,000 | 18,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,168,000 | 6,382,000 | 9,757,000 | 13,223,000 |
| Interest expense | 803,000 | 1,718,000 | 2,700,000 | 3,766,000 |
| Net interest income | 2,365,000 | 4,664,000 | 7,057,000 | 9,457,000 |
| Noninterest income | 149,000 | 302,000 | 496,000 | 664,000 |
| Noninterest expense | 1,773,000 | 3,479,000 | 5,202,000 | 6,916,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 320,000 |
| Pretax income | 685,000 | 1,392,000 | 2,237,000 | 2,965,000 |
| Income tax | 233,000 | 233,000 | 233,000 | 233,000 |
| Net income | 452,000 | 1,159,000 | 2,004,000 | 2,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,085,000 | 19,340,000 | 19,360,000 | 19,588,000 |
| Total capital | 21,489,000 | 21,778,000 | 21,842,000 | 22,058,000 |
| Risk-weighted assets | 192,116,000 | 194,886,000 | 198,385,000 | 197,345,000 |
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