Call reports 2008
NORTHERN STAR BANK — 2008
What NORTHERN STAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,030,000 | 55,370,000 | 57,798,000 | 56,592,000 |
| Total loans | 40,901,000 | 46,585,000 | 49,437,000 | 48,304,000 |
| Allowance for loan losses | 317,000 | 320,000 | 306,000 | 317,000 |
| Securities available for sale | 4,643,000 | 4,804,000 | 4,139,000 | 3,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,205,000 | 39,589,000 | 40,449,000 | 40,584,000 |
| Interest-bearing deposits | 38,701,000 | 37,413,000 | 37,731,000 | 37,747,000 |
| Noninterest-bearing deposits | 2,504,000 | 2,176,000 | 2,718,000 | 2,837,000 |
| Equity capital | 4,559,000 | 4,521,000 | 4,500,000 | 4,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,672,000 | 2,480,000 | 3,184,000 |
| Interest expense | 506,000 | 971,000 | 1,416,000 | 1,816,000 |
| Net interest income | 348,000 | 701,000 | 1,064,000 | 1,368,000 |
| Noninterest income | 52,000 | 176,000 | 263,000 | 370,000 |
| Noninterest expense | 415,000 | 890,000 | 1,379,000 | 1,863,000 |
| Provision for loan losses | 0 | 5,000 | -6,000 | 17,000 |
| Pretax income | -11,000 | -14,000 | -42,000 | -138,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -11,000 | -14,000 | -42,000 | -138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,568,000 | 4,565,000 | 4,537,000 | 4,441,000 |
| Total capital | 4,885,000 | 4,885,000 | 4,843,000 | 4,758,000 |
| Risk-weighted assets | 42,057,000 | 42,685,000 | 42,936,000 | 43,805,000 |
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