Call reports 2007
NORTH STAR BANK — 2007
What NORTH STAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 247,622,000 | 247,353,000 | 241,047,000 | 249,744,000 |
| Total loans | 175,892,000 | 182,787,000 | 182,429,000 | 180,647,000 |
| Allowance for loan losses | 3,703,000 | 3,805,000 | 3,971,000 | 3,804,000 |
| Securities available for sale | 41,712,000 | 40,457,000 | 38,773,000 | 34,199,000 |
| Securities held to maturity | 3,461,000 | 3,243,000 | 3,210,000 | 196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,655,000 | 212,240,000 | 214,442,000 | 223,514,000 |
| Interest-bearing deposits | 194,325,000 | 187,305,000 | 186,187,000 | 195,351,000 |
| Noninterest-bearing deposits | 26,330,000 | 24,935,000 | 28,255,000 | 28,163,000 |
| Equity capital | 19,586,000 | 19,389,000 | 19,813,000 | 20,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,813,000 | 7,502,000 | 11,350,000 | 15,106,000 |
| Interest expense | 1,627,000 | 3,202,000 | 4,857,000 | 6,512,000 |
| Net interest income | 2,186,000 | 4,300,000 | 6,493,000 | 8,594,000 |
| Noninterest income | 241,000 | 603,000 | 840,000 | 1,152,000 |
| Noninterest expense | 1,826,000 | 3,716,000 | 5,449,000 | 6,821,000 |
| Provision for loan losses | 105,000 | 240,000 | 405,000 | 855,000 |
| Pretax income | 496,000 | 947,000 | 1,479,000 | 2,070,000 |
| Income tax | 1,000 | 7,000 | 10,000 | 13,000 |
| Net income | 495,000 | 940,000 | 1,469,000 | 2,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,079,000 | 20,029,000 | 20,105,000 | 20,164,000 |
| Total capital | 22,621,000 | 22,621,000 | 22,662,000 | 22,703,000 |
| Risk-weighted assets | 202,234,000 | 206,183,000 | 203,089,000 | 201,875,000 |
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