Call reports 2019
NORTH STAR BANK — 2019
What NORTH STAR BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 282,782,000 | 279,214,000 | 293,627,000 | 295,410,000 |
| Total loans | 190,536,000 | 197,805,000 | 199,625,000 | 202,716,000 |
| Allowance for loan losses | 2,090,000 | 2,299,000 | 2,301,000 | 2,328,000 |
| Securities available for sale | 64,714,000 | 62,555,000 | 54,845,000 | 50,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,915,000 | 248,492,000 | 262,813,000 | 263,938,000 |
| Interest-bearing deposits | 212,541,000 | 209,393,000 | 216,883,000 | 218,359,000 |
| Noninterest-bearing deposits | 41,374,000 | 39,099,000 | 45,930,000 | 45,579,000 |
| Equity capital | 28,445,000 | 30,258,000 | 30,052,000 | 31,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,928,000 | 5,910,000 | 8,998,000 | 12,082,000 |
| Interest expense | 263,000 | 549,000 | 881,000 | 1,223,000 |
| Net interest income | 2,665,000 | 5,361,000 | 8,117,000 | 10,859,000 |
| Noninterest income | 68,000 | 207,000 | 360,000 | 830,000 |
| Noninterest expense | 1,837,000 | 3,657,000 | 5,436,000 | 7,066,000 |
| Provision for loan losses | 90,000 | 180,000 | 180,000 | 200,000 |
| Pretax income | 806,000 | 1,721,000 | 2,842,000 | 4,404,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 802,000 | 1,717,000 | 2,838,000 | 4,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,804,000 | 30,352,000 | 30,059,000 | 31,190,000 |
| Total capital | 31,894,000 | 32,651,000 | 32,360,000 | 33,518,000 |
| Risk-weighted assets | 227,559,000 | 232,796,000 | 230,160,000 | 237,670,000 |