Call reports 2002
NORTHERN STAR BANK — 2002
What NORTHERN STAR BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 43,872,000 | 48,573,000 | 48,803,000 | 50,303,000 |
| Total loans | 31,314,000 | 35,123,000 | 37,000,000 | 38,112,000 |
| Allowance for loan losses | 571,000 | 661,000 | 681,000 | 689,000 |
| Securities available for sale | 9,270,000 | 9,598,000 | 6,284,000 | 4,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,967,000 | 39,662,000 | 40,063,000 | 41,377,000 |
| Interest-bearing deposits | 32,034,000 | 35,059,000 | 35,561,000 | 35,894,000 |
| Noninterest-bearing deposits | 2,933,000 | 4,603,000 | 4,502,000 | 5,483,000 |
| Equity capital | 3,826,000 | 3,880,000 | 3,970,000 | 4,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 699,000 | 1,382,000 | 2,137,000 | 2,860,000 |
| Interest expense | 393,000 | 765,000 | 1,131,000 | 1,465,000 |
| Net interest income | 306,000 | 617,000 | 1,006,000 | 1,395,000 |
| Noninterest income | 57,000 | 141,000 | 276,000 | 577,000 |
| Noninterest expense | 401,000 | 818,000 | 1,241,000 | 1,790,000 |
| Provision for loan losses | 18,000 | 452,000 | 473,000 | 480,000 |
| Pretax income | -56,000 | -507,000 | -420,000 | -286,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -56,000 | -507,000 | -420,000 | -286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,878,000 | 3,827,000 | 3,914,000 | 4,049,000 |
| Total capital | 4,296,000 | 4,299,000 | 4,365,000 | 4,520,000 |
| Risk-weighted assets | 33,292,000 | 37,413,000 | 35,887,000 | 37,453,000 |