Call reports 2008
NORTHSTAR BANK — 2008
What NORTHSTAR 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 | 31,206,000 | 38,438,000 | 47,835,000 | 60,157,000 |
| Total loans | 14,909,000 | 21,596,000 | 25,841,000 | 34,508,000 |
| Allowance for loan losses | 178,000 | 398,000 | 326,000 | 494,000 |
| Securities available for sale | 11,314,000 | 10,158,000 | 14,492,000 | 19,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,406,000 | 23,797,000 | 33,114,000 | 40,774,000 |
| Interest-bearing deposits | 9,167,000 | 17,882,000 | 25,122,000 | 23,668,000 |
| Noninterest-bearing deposits | 5,239,000 | 5,915,000 | 7,992,000 | 17,106,000 |
| Equity capital | 14,554,000 | 14,096,000 | 14,045,000 | 14,031,000 |
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 | 374,000 | 809,000 | 1,346,000 | 2,027,000 |
| Interest expense | 57,000 | 147,000 | 303,000 | 476,000 |
| Net interest income | 317,000 | 662,000 | 1,043,000 | 1,551,000 |
| Noninterest income | 17,000 | 35,000 | 51,000 | 69,000 |
| Noninterest expense | 729,000 | 1,502,000 | 2,223,000 | 3,013,000 |
| Provision for loan losses | 115,000 | 335,000 | 439,000 | 607,000 |
| Pretax income | -510,000 | -1,140,000 | -1,568,000 | -2,000,000 |
| Income tax | -185,000 | -422,000 | -590,000 | -753,000 |
| Net income | -325,000 | -718,000 | -978,000 | -1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,501,000 | 14,202,000 | 13,988,000 | 12,878,000 |
| Total capital | 14,679,000 | 14,508,000 | 14,314,000 | 13,372,000 |
| Risk-weighted assets | 22,166,000 | 24,426,000 | 30,516,000 | 41,648,000 |
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