Call reports 2016
NORTH STAR BANK — 2016
What NORTH STAR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 249,997,000 | 245,501,000 | 257,085,000 | 256,189,000 |
| Total loans | 127,793,000 | 126,481,000 | 131,040,000 | 141,283,000 |
| Allowance for loan losses | 1,753,000 | 1,792,000 | 1,805,000 | 1,827,000 |
| Securities available for sale | 84,674,000 | 84,958,000 | 78,771,000 | 88,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,051,000 | 220,530,000 | 231,557,000 | 232,599,000 |
| Interest-bearing deposits | 191,250,000 | 189,329,000 | 196,086,000 | 196,698,000 |
| Noninterest-bearing deposits | 33,801,000 | 31,201,000 | 35,471,000 | 35,901,000 |
| Equity capital | 24,523,000 | 24,648,000 | 24,960,000 | 23,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,923,000 | 3,838,000 | 5,797,000 | 7,806,000 |
| Interest expense | 114,000 | 227,000 | 342,000 | 457,000 |
| Net interest income | 1,809,000 | 3,611,000 | 5,455,000 | 7,349,000 |
| Noninterest income | -17,000 | 363,000 | 629,000 | 810,000 |
| Noninterest expense | 1,769,000 | 3,572,000 | 5,376,000 | 6,833,000 |
| Provision for loan losses | -306,000 | -306,000 | -306,000 | -306,000 |
| Pretax income | 336,000 | 716,000 | 1,026,000 | 1,644,000 |
| Income tax | -4,000 | -3,000 | -3,000 | -3,000 |
| Net income | 340,000 | 719,000 | 1,029,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,828,000 | 24,556,000 | 24,866,000 | 25,484,000 |
| Total capital | 26,581,000 | 26,348,000 | 26,671,000 | 27,311,000 |
| Risk-weighted assets | 165,017,000 | 160,536,000 | 166,187,000 | 181,096,000 |