Call reports 2020
NORTH STAR BANK — 2020
What NORTH STAR BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 293,745,000 | 321,405,000 | 327,949,000 | 330,750,000 |
| Total loans | 199,607,000 | 208,367,000 | 205,818,000 | 213,371,000 |
| Allowance for loan losses | 2,399,000 | 2,458,000 | 2,507,000 | 2,522,000 |
| Securities available for sale | 69,411,000 | 72,352,000 | 70,919,000 | 75,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,124,000 | 287,572,000 | 293,139,000 | 295,059,000 |
| Interest-bearing deposits | 219,046,000 | 231,833,000 | 231,848,000 | 238,220,000 |
| Noninterest-bearing deposits | 43,078,000 | 55,739,000 | 61,291,000 | 56,839,000 |
| Equity capital | 31,091,000 | 33,270,000 | 34,050,000 | 35,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,093,000 | 6,686,000 | 9,520,000 | 12,551,000 |
| Interest expense | 340,000 | 683,000 | 996,000 | 1,263,000 |
| Net interest income | 2,753,000 | 6,003,000 | 8,524,000 | 11,288,000 |
| Noninterest income | 125,000 | 229,000 | 544,000 | 743,000 |
| Noninterest expense | 1,902,000 | 3,704,000 | 5,455,000 | 6,960,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 861,000 | 2,372,000 | 3,397,000 | 4,795,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 857,000 | 2,368,000 | 3,393,000 | 4,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,558,000 | 31,369,000 | 31,811,000 | 32,900,000 |