Call reports 2005
NORTHERN STAR BANK — 2005
What NORTHERN STAR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,968,000 | 45,651,000 | 48,512,000 | 47,226,000 |
| Total loans | 38,739,000 | 37,614,000 | 40,108,000 | 39,081,000 |
| Allowance for loan losses | 311,000 | 290,000 | 284,000 | 306,000 |
| Securities available for sale | 4,601,000 | 4,887,000 | 4,630,000 | 4,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,173,000 | 37,025,000 | 38,932,000 | 38,658,000 |
| Interest-bearing deposits | 37,052,000 | 33,235,000 | 35,072,000 | 34,863,000 |
| Noninterest-bearing deposits | 3,121,000 | 3,790,000 | 3,860,000 | 3,795,000 |
| Equity capital | 3,842,000 | 3,808,000 | 3,779,000 | 3,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 671,000 | 1,329,000 | 2,043,000 | 2,793,000 |
| Interest expense | 253,000 | 512,000 | 818,000 | 1,145,000 |
| Net interest income | 418,000 | 817,000 | 1,225,000 | 1,648,000 |
| Noninterest income | 92,000 | 197,000 | 265,000 | 345,000 |
| Noninterest expense | 550,000 | 1,053,000 | 1,552,000 | 1,977,000 |
| Provision for loan losses | 4,000 | 67,000 | 75,000 | 100,000 |
| Pretax income | -44,000 | -106,000 | -137,000 | -84,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -44,000 | -106,000 | -137,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,892,000 | 3,830,000 | 3,809,000 | 3,868,000 |
| Total capital | 4,203,000 | 4,120,000 | 4,093,000 | 4,174,000 |
| Risk-weighted assets | 41,333,000 | 40,360,000 | 43,338,000 | 41,121,000 |
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