Call reports 2009
NORTH STAR BANK — 2009
What NORTH STAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,707,000 | 270,582,000 | 264,979,000 | 266,094,000 |
| Total loans | 174,336,000 | 174,613,000 | 166,752,000 | 169,060,000 |
| Allowance for loan losses | 2,864,000 | 3,236,000 | 4,758,000 | 4,029,000 |
| Securities available for sale | 47,988,000 | 55,054,000 | 59,190,000 | 59,018,000 |
| Securities held to maturity | 161,000 | 160,000 | 159,000 | 141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,764,000 | 242,569,000 | 236,437,000 | 239,721,000 |
| Interest-bearing deposits | 205,581,000 | 214,062,000 | 205,301,000 | 211,115,000 |
| Noninterest-bearing deposits | 27,183,000 | 28,507,000 | 31,136,000 | 28,606,000 |
| Equity capital | 21,002,000 | 22,042,000 | 22,642,000 | 20,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,313,000 | 6,441,000 | 9,621,000 | 12,537,000 |
| Interest expense | 1,212,000 | 2,383,000 | 3,415,000 | 4,379,000 |
| Net interest income | 2,101,000 | 4,058,000 | 6,206,000 | 8,158,000 |
| Noninterest income | 295,000 | 594,000 | 900,000 | 299,000 |
| Noninterest expense | 1,692,000 | 3,570,000 | 5,673,000 | 7,372,000 |
| Provision for loan losses | 461,000 | 498,000 | 2,808,000 | 3,236,000 |
| Pretax income | 332,000 | 871,000 | -967,000 | -1,414,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 331,000 | 869,000 | -970,000 | -1,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,697,000 | 21,236,000 | 21,400,000 | 20,950,000 |
| Total capital | 23,308,000 | 23,851,000 | 23,925,000 | 23,431,000 |
| Risk-weighted assets | 208,616,000 | 208,547,000 | 199,773,000 | 198,440,000 |
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