Call reports 2005
NORTHSTAR BANK OF COLORADO — 2005
What NORTHSTAR BANK OF COLORADO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 123,247,000 | 113,917,000 | 123,974,000 | 129,713,000 |
| Total loans | 69,377,000 | 76,724,000 | 81,794,000 | 86,940,000 |
| Allowance for loan losses | 450,000 | 508,000 | 535,000 | 638,000 |
| Securities available for sale | 24,592,000 | 21,290,000 | 19,118,000 | 16,776,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,117,000 | 103,667,000 | 113,285,000 | 118,799,000 |
| Interest-bearing deposits | 74,173,000 | 69,880,000 | 70,923,000 | 74,054,000 |
| Noninterest-bearing deposits | 38,944,000 | 33,787,000 | 42,362,000 | 44,745,000 |
| Equity capital | 9,837,000 | 9,918,000 | 10,239,000 | 10,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,360,000 | 2,879,000 | 4,537,000 | 6,353,000 |
| Interest expense | 127,000 | 278,000 | 456,000 | 683,000 |
| Net interest income | 1,233,000 | 2,601,000 | 4,081,000 | 5,670,000 |
| Noninterest income | 231,000 | 545,000 | 792,000 | 1,055,000 |
| Noninterest expense | 1,115,000 | 2,215,000 | 3,348,000 | 4,618,000 |
| Provision for loan losses | 10,000 | 65,000 | 126,000 | 229,000 |
| Pretax income | 339,000 | 866,000 | 1,399,000 | 1,878,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 339,000 | 866,000 | 1,399,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,080,000 | 10,131,000 | 10,452,000 | 10,719,000 |
| Total capital | 10,530,000 | 10,639,000 | 10,987,000 | 11,357,000 |
| Risk-weighted assets | 81,378,000 | 89,099,000 | 94,532,000 | 97,631,000 |
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