Call reports 2015
NORTH STAR BANK — 2015
What NORTH STAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 245,935,000 | 238,977,000 | 244,787,000 | 246,145,000 |
| Total loans | 121,271,000 | 128,059,000 | 125,997,000 | 122,462,000 |
| Allowance for loan losses | 1,999,000 | 2,019,000 | 2,108,000 | 1,796,000 |
| Securities available for sale | 74,491,000 | 83,646,000 | 81,857,000 | 84,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,765,000 | 216,122,000 | 221,386,000 | 222,366,000 |
| Interest-bearing deposits | 190,711,000 | 186,463,000 | 189,556,000 | 189,689,000 |
| Noninterest-bearing deposits | 32,053,000 | 29,659,000 | 31,830,000 | 32,677,000 |
| Equity capital | 22,744,000 | 22,413,000 | 22,935,000 | 23,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,883,000 | 3,825,000 | 5,721,000 | 7,750,000 |
| Interest expense | 130,000 | 253,000 | 374,000 | 492,000 |
| Net interest income | 1,753,000 | 3,572,000 | 5,347,000 | 7,258,000 |
| Noninterest income | -364,000 | -85,000 | 252,000 | 698,000 |
| Noninterest expense | 1,731,000 | 3,504,000 | 5,243,000 | 6,895,000 |
| Provision for loan losses | -380,000 | -380,000 | -380,000 | -755,000 |
| Pretax income | 98,000 | 425,000 | 788,000 | 1,868,000 |
| Income tax | 1,000 | 3,000 | 3,000 | 4,000 |
| Net income | 97,000 | 422,000 | 785,000 | 1,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,096,000 | 23,046,000 | 23,408,000 | 24,487,000 |
| Total capital | 24,723,000 | 24,993,000 | 25,336,000 | 26,283,000 |
| Risk-weighted assets | 129,857,000 | 155,650,000 | 154,029,000 | 153,332,000 |