Call reports 2003
NORTHERN STAR BANK — 2003
What NORTHERN STAR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,988,000 | 51,253,000 | 49,647,000 | 50,319,000 |
| Total loans | 39,808,000 | 41,788,000 | 37,963,000 | 37,836,000 |
| Allowance for loan losses | 718,000 | 1,029,000 | 813,000 | 797,000 |
| Securities available for sale | 6,474,000 | 6,229,000 | 5,170,000 | 5,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,979,000 | 41,497,000 | 39,724,000 | 41,192,000 |
| Interest-bearing deposits | 36,222,000 | 36,338,000 | 36,283,000 | 37,407,000 |
| Noninterest-bearing deposits | 4,757,000 | 5,159,000 | 3,441,000 | 3,785,000 |
| Equity capital | 4,239,000 | 4,077,000 | 4,238,000 | 4,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,496,000 | 2,221,000 | 2,944,000 |
| Interest expense | 304,000 | 584,000 | 858,000 | 1,111,000 |
| Net interest income | 443,000 | 912,000 | 1,363,000 | 1,833,000 |
| Noninterest income | 212,000 | 550,000 | 799,000 | 910,000 |
| Noninterest expense | 485,000 | 1,140,000 | 1,655,000 | 2,208,000 |
| Provision for loan losses | 35,000 | 345,000 | 360,000 | 362,000 |
| Pretax income | 135,000 | -24,000 | 161,000 | 173,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | -24,000 | 161,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,184,000 | 4,025,000 | 4,210,000 | 4,222,000 |
| Total capital | 4,656,000 | 4,519,000 | 4,676,000 | 4,699,000 |
| Risk-weighted assets | 37,490,000 | 38,971,000 | 36,902,000 | 37,874,000 |