Call reports 2014
NORTH STAR BANK — 2014
What NORTH STAR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 254,574,000 | 241,974,000 | 242,694,000 | 244,184,000 |
| Total loans | 111,397,000 | 114,735,000 | 116,980,000 | 120,983,000 |
| Allowance for loan losses | 3,059,000 | 3,060,000 | 3,061,000 | 2,376,000 |
| Securities available for sale | 96,907,000 | 93,957,000 | 85,919,000 | 84,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,978,000 | 220,630,000 | 220,924,000 | 221,511,000 |
| Interest-bearing deposits | 203,323,000 | 190,301,000 | 191,627,000 | 190,683,000 |
| Noninterest-bearing deposits | 30,655,000 | 30,329,000 | 29,297,000 | 30,828,000 |
| Equity capital | 20,157,000 | 20,909,000 | 21,143,000 | 22,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,923,000 | 3,894,000 | 5,891,000 | 7,862,000 |
| Interest expense | 150,000 | 295,000 | 439,000 | 572,000 |
| Net interest income | 1,773,000 | 3,599,000 | 5,452,000 | 7,290,000 |
| Noninterest income | 360,000 | 696,000 | 1,029,000 | 1,389,000 |
| Noninterest expense | 1,896,000 | 3,755,000 | 5,582,000 | 7,235,000 |
| Provision for loan losses | -520,000 | -520,000 | -520,000 | -704,000 |
| Pretax income | 758,000 | 1,054,000 | 1,415,000 | 2,144,000 |
| Income tax | 2,000 | 0 | 0 | 0 |
| Net income | 756,000 | 1,054,000 | 1,415,000 | 2,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,010,000 | 21,909,000 | 22,270,000 | 22,998,000 |
| Total capital | 23,790,000 | 23,712,000 | 24,085,000 | 24,825,000 |
| Risk-weighted assets | 141,098,000 | 142,998,000 | 143,925,000 | 145,582,000 |
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