Call reports 2009
NORTHSTAR BANK — 2009
What NORTHSTAR 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 | 63,244,000 | 79,210,000 | 92,250,000 | 88,708,000 |
| Total loans | 37,027,000 | 40,719,000 | 47,532,000 | 51,159,000 |
| Allowance for loan losses | 575,000 | 718,000 | 903,000 | 639,000 |
| Securities available for sale | 22,577,000 | 34,172,000 | 36,014,000 | 32,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,579,000 | 64,777,000 | 77,691,000 | 54,044,000 |
| Interest-bearing deposits | 29,871,000 | 42,883,000 | 48,641,000 | 36,604,000 |
| Noninterest-bearing deposits | 15,708,000 | 21,894,000 | 29,050,000 | 17,440,000 |
| Equity capital | 13,917,000 | 13,749,000 | 13,788,000 | 13,611,000 |
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 | 726,000 | 1,571,000 | 2,499,000 | 3,528,000 |
| Interest expense | 161,000 | 331,000 | 511,000 | 693,000 |
| Net interest income | 565,000 | 1,240,000 | 1,988,000 | 2,835,000 |
| Noninterest income | 28,000 | 53,000 | 90,000 | 113,000 |
| Noninterest expense | 904,000 | 1,743,000 | 2,627,000 | 3,504,000 |
| Provision for loan losses | 107,000 | 229,000 | 489,000 | 898,000 |
| Pretax income | -418,000 | -679,000 | -964,000 | -1,225,000 |
| Income tax | -152,000 | -246,000 | -349,000 | -484,000 |
| Net income | -266,000 | -433,000 | -615,000 | -741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,568,000 | 12,319,000 | 12,182,000 | 12,016,000 |
| Total capital | 13,106,000 | 12,956,000 | 12,905,000 | 12,558,000 |
| Risk-weighted assets | 43,051,000 | 50,841,000 | 57,654,000 | 59,252,000 |
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