Call reports 2012
NORTH STAR BANK — 2012
What NORTH STAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 254,040,000 | 248,428,000 | 245,587,000 | 247,829,000 |
| Total loans | 118,118,000 | 111,391,000 | 114,133,000 | 113,739,000 |
| Allowance for loan losses | 3,799,000 | 4,085,000 | 4,104,000 | 4,193,000 |
| Securities available for sale | 82,304,000 | 80,844,000 | 95,488,000 | 102,952,000 |
| Securities held to maturity | 35,000 | 34,000 | 34,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,611,000 | 228,773,000 | 225,259,000 | 228,235,000 |
| Interest-bearing deposits | 206,647,000 | 204,020,000 | 200,682,000 | 200,524,000 |
| Noninterest-bearing deposits | 27,964,000 | 24,753,000 | 24,577,000 | 27,711,000 |
| Equity capital | 18,836,000 | 19,085,000 | 19,357,000 | 19,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,148,000 | 4,256,000 | 6,378,000 | 8,685,000 |
| Interest expense | 377,000 | 717,000 | 1,019,000 | 1,285,000 |
| Net interest income | 1,771,000 | 3,539,000 | 5,359,000 | 7,400,000 |
| Noninterest income | 445,000 | -21,000 | -52,000 | 108,000 |
| Noninterest expense | 1,976,000 | 3,864,000 | 5,733,000 | 7,368,000 |
| Provision for loan losses | 24,000 | 684,000 | 684,000 | 812,000 |
| Pretax income | 243,000 | 287,000 | 276,000 | 683,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 242,000 | 284,000 | 272,000 | 678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,194,000 | 18,235,000 | 18,224,000 | 18,631,000 |
| Total capital | 20,095,000 | 20,043,000 | 20,042,000 | 20,459,000 |
| Risk-weighted assets | 150,159,000 | 142,383,000 | 143,171,000 | 143,873,000 |