Call reports 2004
NORTHSTAR BANK OF COLORADO — 2004
What NORTHSTAR BANK OF COLORADO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 111,432,000 | 110,009,000 | 109,926,000 | 111,015,000 |
| Total loans | 47,428,000 | 53,083,000 | 58,500,000 | 63,381,000 |
| Allowance for loan losses | 419,000 | 423,000 | 447,000 | 443,000 |
| Securities available for sale | 31,850,000 | 32,687,000 | 32,275,000 | 28,262,000 |
| Securities held to maturity | 202,000 | 202,000 | 202,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,581,000 | 100,641,000 | 100,017,000 | 101,070,000 |
| Interest-bearing deposits | 68,306,000 | 67,419,000 | 66,789,000 | 66,779,000 |
| Noninterest-bearing deposits | 33,275,000 | 33,222,000 | 33,227,000 | 34,291,000 |
| Equity capital | 9,636,000 | 9,150,000 | 9,601,000 | 9,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,230,000 | 3,461,000 | 4,748,000 |
| Interest expense | 91,000 | 182,000 | 270,000 | 364,000 |
| Net interest income | 1,018,000 | 2,048,000 | 3,191,000 | 4,384,000 |
| Noninterest income | 238,000 | 607,000 | 914,000 | 1,194,000 |
| Noninterest expense | 937,000 | 1,965,000 | 2,977,000 | 3,983,000 |
| Provision for loan losses | 5,000 | 15,000 | 40,000 | 50,000 |
| Pretax income | 314,000 | 675,000 | 1,088,000 | 1,545,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 675,000 | 1,088,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,930,000 | 9,151,000 | 9,424,000 | 9,741,000 |
| Total capital | 9,349,000 | 9,574,000 | 9,871,000 | 10,184,000 |
| Risk-weighted assets | 63,371,000 | 65,983,000 | 70,467,000 | 74,393,000 |
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