Call reports 2025
NORTH STAR BANK — 2025
What NORTH STAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 380,069,000 | 385,053,000 | 401,359,000 | 406,754,000 |
| Total loans | 258,264,000 | 262,411,000 | 256,461,000 | 251,175,000 |
| Allowance for loan losses | 4,646,000 | 4,618,000 | 4,663,000 | 3,808,000 |
| Securities available for sale | 83,574,000 | 81,866,000 | 81,436,000 | 88,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,286,000 | 351,519,000 | 366,008,000 | 370,446,000 |
| Interest-bearing deposits | 296,663,000 | 298,057,000 | 315,807,000 | 317,792,000 |
| Noninterest-bearing deposits | 51,623,000 | 53,462,000 | 50,201,000 | 52,654,000 |
| Equity capital | 28,620,000 | 31,274,000 | 33,743,000 | 34,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,917,000 | 9,964,000 | 15,137,000 | 20,475,000 |
| Interest expense | 1,767,000 | 3,500,000 | 5,283,000 | 7,156,000 |
| Net interest income | 3,150,000 | 6,464,000 | 9,854,000 | 13,319,000 |
| Noninterest income | 255,000 | 1,990,000 | 2,254,000 | 2,554,000 |
| Noninterest expense | 2,500,000 | 4,861,000 | 7,201,000 | 9,796,000 |
| Provision for loan losses | 1,492,000 | 1,492,000 | 1,537,000 | 1,737,000 |
| Pretax income | -587,000 | 2,101,000 | 3,350,000 | 4,320,000 |
| Income tax | 107,000 | 107,000 | 151,000 | 146,000 |
| Net income | -694,000 | 1,994,000 | 3,199,000 | 4,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,075,000 | 39,764,000 | 40,504,000 | 41,174,000 |