Call reports 2022
NORTH STAR BANK — 2022
What NORTH STAR BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 357,533,000 | 335,715,000 | 351,357,000 | 357,241,000 |
| Total loans | 232,516,000 | 227,364,000 | 229,791,000 | 234,133,000 |
| Allowance for loan losses | 2,978,000 | 3,011,000 | 3,046,000 | 2,854,000 |
| Securities available for sale | 76,690,000 | 81,270,000 | 90,035,000 | 97,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,386,000 | 309,841,000 | 326,110,000 | 330,268,000 |
| Interest-bearing deposits | 265,865,000 | 253,128,000 | 256,107,000 | 267,566,000 |
| Noninterest-bearing deposits | 60,521,000 | 56,713,000 | 70,003,000 | 62,702,000 |
| Equity capital | 30,426,000 | 24,921,000 | 24,195,000 | 26,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,980,000 | 6,188,000 | 9,631,000 | 13,448,000 |
| Interest expense | 140,000 | 260,000 | 377,000 | 624,000 |
| Net interest income | 2,840,000 | 5,928,000 | 9,254,000 | 12,824,000 |
| Noninterest income | 222,000 | 466,000 | 698,000 | 887,000 |
| Noninterest expense | 2,033,000 | 4,061,000 | 5,950,000 | 7,866,000 |
| Provision for loan losses | 60,000 | 90,000 | 120,000 | 180,000 |
| Pretax income | 969,000 | 2,243,000 | 3,882,000 | 5,666,000 |
| Income tax | 0 | 4,000 | 4,000 | 4,000 |
| Net income | 969,000 | 2,239,000 | 3,878,000 | 5,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,084,000 | 35,343,000 | 36,520,000 | 37,276,000 |