Call reports 2013
NORTHERN STAR BANK — 2013
What NORTHERN STAR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 25,826,000 | 24,818,000 | 23,274,000 | 20,709,000 |
| Total loans | 17,637,000 | 16,605,000 | 15,807,000 | 15,334,000 |
| Allowance for loan losses | 488,000 | 393,000 | 336,000 | 307,000 |
| Securities available for sale | 1,810,000 | 1,620,000 | 1,476,000 | 1,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,742,000 | 24,055,000 | 22,643,000 | 20,201,000 |
| Interest-bearing deposits | 20,655,000 | 20,312,000 | 18,965,000 | 17,388,000 |
| Noninterest-bearing deposits | 4,087,000 | 3,743,000 | 3,678,000 | 2,813,000 |
| Equity capital | 1,022,000 | 681,000 | 565,000 | 462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 283,000 | 555,000 | 810,000 | 1,057,000 |
| Interest expense | 35,000 | 66,000 | 95,000 | 125,000 |
| Net interest income | 248,000 | 489,000 | 715,000 | 932,000 |
| Noninterest income | 94,000 | -5,000 | 45,000 | 85,000 |
| Noninterest expense | 420,000 | 878,000 | 1,258,000 | 1,627,000 |
| Provision for loan losses | 11,000 | 22,000 | 33,000 | 44,000 |
| Pretax income | -89,000 | -416,000 | -531,000 | -654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -89,000 | -416,000 | -531,000 | -654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,017,000 | 690,000 | 575,000 | 477,000 |
| Total capital | 1,262,000 | 922,000 | 799,000 | 692,000 |
| Risk-weighted assets | 19,374,000 | 18,420,000 | 17,780,000 | 17,136,000 |
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