Call reports 2013
NORTH STAR BANK — 2013
What NORTH STAR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 245,797,000 | 238,376,000 | 238,677,000 | 245,906,000 |
| Total loans | 114,010,000 | 114,292,000 | 107,531,000 | 112,652,000 |
| Allowance for loan losses | 4,215,000 | 4,240,000 | 4,323,000 | 3,564,000 |
| Securities available for sale | 101,815,000 | 86,520,000 | 91,399,000 | 90,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,385,000 | 219,942,000 | 220,335,000 | 226,613,000 |
| Interest-bearing deposits | 197,395,000 | 192,189,000 | 189,297,000 | 192,725,000 |
| Noninterest-bearing deposits | 28,990,000 | 27,753,000 | 31,038,000 | 33,888,000 |
| Equity capital | 18,945,000 | 17,882,000 | 17,615,000 | 19,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,138,000 | 4,120,000 | 5,985,000 | 8,142,000 |
| Interest expense | 220,000 | 404,000 | 566,000 | 722,000 |
| Net interest income | 1,918,000 | 3,716,000 | 5,419,000 | 7,420,000 |
| Noninterest income | 318,000 | 836,000 | 1,192,000 | 1,473,000 |
| Noninterest expense | 2,132,000 | 4,006,000 | 5,837,000 | 7,419,000 |
| Provision for loan losses | 0 | 0 | 0 | -800,000 |
| Pretax income | 104,000 | 900,000 | 1,128,000 | 2,629,000 |
| Income tax | 1,000 | 3,000 | 3,000 | 5,000 |
| Net income | 103,000 | 897,000 | 1,125,000 | 2,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,734,000 | 19,528,000 | 19,755,000 | 21,255,000 |
| Total capital | 20,588,000 | 21,314,000 | 21,488,000 | 23,093,000 |
| Risk-weighted assets | 145,959,000 | 140,449,000 | 136,053,000 | 145,293,000 |
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