Call reports 2004
NORTHERN STAR BANK — 2004
What NORTHERN STAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,544,000 | 44,909,000 | 47,168,000 | 48,414,000 |
| Total loans | 36,511,000 | 34,546,000 | 39,319,000 | 39,358,000 |
| Allowance for loan losses | 645,000 | 447,000 | 319,000 | 329,000 |
| Securities available for sale | 6,280,000 | 5,810,000 | 5,608,000 | 4,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,839,000 | 36,530,000 | 39,110,000 | 40,908,000 |
| Interest-bearing deposits | 36,175,000 | 33,455,000 | 35,319,000 | 37,684,000 |
| Noninterest-bearing deposits | 6,664,000 | 3,075,000 | 3,791,000 | 3,224,000 |
| Equity capital | 4,312,000 | 4,007,000 | 3,977,000 | 3,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,453,000 | 2,090,000 | 2,750,000 |
| Interest expense | 235,000 | 449,000 | 661,000 | 890,000 |
| Net interest income | 564,000 | 1,004,000 | 1,429,000 | 1,860,000 |
| Noninterest income | 71,000 | 172,000 | 194,000 | 271,000 |
| Noninterest expense | 592,000 | 1,213,000 | 1,769,000 | 2,321,000 |
| Provision for loan losses | 0 | 152,000 | 125,000 | 125,000 |
| Pretax income | 62,000 | -165,000 | -247,000 | -286,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | -165,000 | -247,000 | -286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,284,000 | 4,057,000 | 3,975,000 | 3,936,000 |
| Total capital | 4,781,000 | 4,504,000 | 4,294,000 | 4,265,000 |
| Risk-weighted assets | 39,601,000 | 38,058,000 | 40,558,000 | 41,877,000 |