Call reports 2010
NORTH STAR BANK — 2010
What NORTH STAR BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 263,984,000 | 250,033,000 | 245,664,000 | 241,623,000 |
| Total loans | 161,872,000 | 159,856,000 | 151,579,000 | 143,658,000 |
| Allowance for loan losses | 4,078,000 | 4,970,000 | 5,602,000 | 5,713,000 |
| Securities available for sale | 59,329,000 | 65,281,000 | 65,912,000 | 65,221,000 |
| Securities held to maturity | 130,000 | 129,000 | 84,000 | 83,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,418,000 | 229,114,000 | 225,458,000 | 226,282,000 |
| Interest-bearing deposits | 211,433,000 | 205,945,000 | 199,334,000 | 200,885,000 |
| Noninterest-bearing deposits | 25,985,000 | 23,168,000 | 26,124,000 | 25,397,000 |
| Equity capital | 20,759,000 | 20,249,000 | 19,417,000 | 14,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,898,000 | 5,660,000 | 8,403,000 | 11,175,000 |
| Interest expense | 886,000 | 1,672,000 | 2,335,000 | 2,916,000 |
| Net interest income | 2,012,000 | 3,988,000 | 6,068,000 | 8,259,000 |
| Noninterest income | 467,000 | 807,000 | 1,120,000 | 275,000 |
| Noninterest expense | 2,008,000 | 4,006,000 | 5,995,000 | 7,989,000 |
| Provision for loan losses | 942,000 | 2,262,000 | 3,977,000 | 5,239,000 |
| Pretax income | -440,000 | -1,408,000 | -2,708,000 | -4,149,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | -441,000 | -1,410,000 | -2,712,000 | -4,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,509,000 | 19,540,000 | 18,238,000 | 16,797,000 |
| Total capital | 22,942,000 | 21,964,000 | 20,649,000 | 19,100,000 |
| Risk-weighted assets | 194,622,000 | 191,383,000 | 189,291,000 | 180,813,000 |
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