Call reports 2008
NORTH STAR BANK — 2008
What NORTH STAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 255,632,000 | 248,105,000 | 246,235,000 | 251,240,000 |
| Total loans | 185,693,000 | 182,545,000 | 177,243,000 | 174,083,000 |
| Allowance for loan losses | 2,201,000 | 2,991,000 | 2,414,000 | 2,586,000 |
| Securities available for sale | 36,535,000 | 36,790,000 | 40,361,000 | 44,218,000 |
| Securities held to maturity | 174,000 | 173,000 | 163,000 | 162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,522,000 | 223,511,000 | 220,726,000 | 225,097,000 |
| Interest-bearing deposits | 203,849,000 | 198,491,000 | 195,677,000 | 195,306,000 |
| Noninterest-bearing deposits | 24,673,000 | 25,020,000 | 25,049,000 | 29,790,000 |
| Equity capital | 20,493,000 | 18,339,000 | 19,229,000 | 20,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,489,000 | 7,034,000 | 10,458,000 | 13,806,000 |
| Interest expense | 1,632,000 | 3,079,000 | 4,375,000 | 5,623,000 |
| Net interest income | 1,857,000 | 3,955,000 | 6,083,000 | 8,183,000 |
| Noninterest income | 325,000 | 718,000 | 1,039,000 | 1,467,000 |
| Noninterest expense | 1,753,000 | 3,543,000 | 5,205,000 | 6,661,000 |
| Provision for loan losses | -374,000 | 1,906,000 | 2,027,000 | 2,273,000 |
| Pretax income | 798,000 | -729,000 | -62,000 | 795,000 |
| Income tax | 3,000 | 5,000 | 5,000 | 5,000 |
| Net income | 795,000 | -734,000 | -67,000 | 790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,372,000 | 18,843,000 | 19,510,000 | 20,366,000 |
| Total capital | 22,573,000 | 21,394,000 | 21,924,000 | 22,926,000 |
| Risk-weighted assets | 207,029,000 | 203,620,000 | 206,016,000 | 204,789,000 |
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