Call reports 2009
NORTHERN STAR BANK — 2009
What NORTHERN STAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,776,000 | 47,076,000 | 46,054,000 | 45,255,000 |
| Total loans | 42,396,000 | 39,725,000 | 38,385,000 | 37,418,000 |
| Allowance for loan losses | 716,000 | 755,000 | 760,000 | 763,000 |
| Securities available for sale | 4,271,000 | 3,166,000 | 3,539,000 | 3,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,726,000 | 35,421,000 | 35,472,000 | 34,456,000 |
| Interest-bearing deposits | 34,906,000 | 32,976,000 | 32,715,000 | 31,894,000 |
| Noninterest-bearing deposits | 2,820,000 | 2,445,000 | 2,757,000 | 2,562,000 |
| Equity capital | 3,927,000 | 3,772,000 | 3,845,000 | 3,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 755,000 | 1,390,000 | 2,028,000 | 2,586,000 |
| Interest expense | 362,000 | 677,000 | 961,000 | 1,187,000 |
| Net interest income | 393,000 | 713,000 | 1,067,000 | 1,399,000 |
| Noninterest income | 115,000 | 230,000 | 302,000 | 371,000 |
| Noninterest expense | 445,000 | 1,000,000 | 1,428,000 | 1,940,000 |
| Provision for loan losses | 482,000 | 528,000 | 532,000 | 552,000 |
| Pretax income | -419,000 | -585,000 | -544,000 | -675,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -419,000 | -585,000 | -544,000 | -675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,022,000 | 3,856,000 | 3,898,000 | 3,766,000 |
| Total capital | 4,548,000 | 4,347,000 | 4,372,000 | 4,233,000 |
| Risk-weighted assets | 41,854,000 | 39,011,000 | 37,211,000 | 36,734,000 |
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