Call reports 2007
NORTHERN STAR BANK — 2007
What NORTHERN STAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 51,798,000 | 48,922,000 | 48,280,000 | 53,502,000 |
| Total loans | 42,081,000 | 40,203,000 | 38,712,000 | 43,519,000 |
| Allowance for loan losses | 419,000 | 320,000 | 321,000 | 317,000 |
| Securities available for sale | 4,028,000 | 4,094,000 | 5,696,000 | 4,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,928,000 | 37,336,000 | 36,918,000 | 40,131,000 |
| Interest-bearing deposits | 35,823,000 | 34,775,000 | 34,128,000 | 37,772,000 |
| Noninterest-bearing deposits | 4,105,000 | 2,561,000 | 2,790,000 | 2,359,000 |
| Equity capital | 4,207,000 | 4,219,000 | 4,194,000 | 4,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 930,000 | 1,778,000 | 2,619,000 | 3,482,000 |
| Interest expense | 494,000 | 975,000 | 1,451,000 | 1,940,000 |
| Net interest income | 436,000 | 803,000 | 1,168,000 | 1,542,000 |
| Noninterest income | 60,000 | 128,000 | 172,000 | 251,000 |
| Noninterest expense | 529,000 | 1,140,000 | 1,601,000 | 2,082,000 |
| Provision for loan losses | 196,000 | 99,000 | 99,000 | 100,000 |
| Pretax income | -229,000 | -308,000 | -360,000 | -381,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -229,000 | -308,000 | -360,000 | -381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,232,000 | 4,253,000 | 4,194,000 | 4,579,000 |
| Total capital | 4,651,000 | 4,573,000 | 4,514,000 | 4,896,000 |
| Risk-weighted assets | 44,081,000 | 41,525,000 | 41,176,000 | 43,394,000 |