Call reports 2023
NORTH STAR BANK — 2023
What NORTH STAR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 345,511,000 | 335,540,000 | 344,751,000 | 352,077,000 |
| Total loans | 230,301,000 | 232,927,000 | 235,826,000 | 248,328,000 |
| Allowance for loan losses | 2,854,000 | 2,854,000 | 2,899,000 | 2,944,000 |
| Securities available for sale | 95,092,000 | 91,830,000 | 90,050,000 | 93,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,002,000 | 309,397,000 | 318,980,000 | 321,650,000 |
| Interest-bearing deposits | 263,810,000 | 257,172,000 | 262,035,000 | 267,020,000 |
| Noninterest-bearing deposits | 56,192,000 | 52,225,000 | 56,945,000 | 54,630,000 |
| Equity capital | 24,269,000 | 24,438,000 | 23,784,000 | 28,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,864,000 | 7,758,000 | 11,784,000 | 16,243,000 |
| Interest expense | 726,000 | 1,587,000 | 2,691,000 | 4,029,000 |
| Net interest income | 3,138,000 | 6,171,000 | 9,093,000 | 12,214,000 |
| Noninterest income | 316,000 | 537,000 | 774,000 | 1,078,000 |
| Noninterest expense | 2,228,000 | 4,435,000 | 6,716,000 | 8,757,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 90,000 |
| Pretax income | 555,000 | 2,271,000 | 3,104,000 | 4,443,000 |
| Income tax | 0 | 807,000 | 942,000 | 1,078,000 |
| Net income | 555,000 | 1,464,000 | 2,162,000 | 3,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,359,000 | 36,151,000 | 36,617,000 | 37,653,000 |
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