Call reports 2004
NORTHSTAR BANK OF TEXAS — 2004
What NORTHSTAR BANK OF TEXAS 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 | 262,451,000 | 266,063,000 | 266,037,000 | 292,716,000 |
| Total loans | 214,789,000 | 209,700,000 | 207,952,000 | 222,142,000 |
| Allowance for loan losses | 2,167,000 | 1,569,000 | 1,832,000 | 2,247,000 |
| Securities available for sale | 8,978,000 | 8,420,000 | 10,267,000 | 10,646,000 |
| Securities held to maturity | 4,350,000 | 3,188,000 | 2,077,000 | 1,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,363,000 | 233,301,000 | 232,997,000 | 259,835,000 |
| Interest-bearing deposits | 165,074,000 | 167,944,000 | 164,978,000 | 182,884,000 |
| Noninterest-bearing deposits | 64,289,000 | 65,357,000 | 68,019,000 | 76,952,000 |
| Equity capital | 20,602,000 | 21,092,000 | 21,955,000 | 22,162,000 |
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 | 3,606,000 | 7,241,000 | 10,893,000 | 14,712,000 |
| Interest expense | 749,000 | 1,475,000 | 2,233,000 | 3,069,000 |
| Net interest income | 2,857,000 | 5,766,000 | 8,660,000 | 11,643,000 |
| Noninterest income | 612,000 | 1,414,000 | 2,187,000 | 2,935,000 |
| Noninterest expense | 2,332,000 | 4,692,000 | 7,124,000 | 10,062,000 |
| Provision for loan losses | 180,000 | 705,000 | 1,230,000 | 1,755,000 |
| Pretax income | 957,000 | 1,783,000 | 2,493,000 | 2,761,000 |
| Income tax | 423,000 | 423,000 | 421,000 | 421,000 |
| Net income | 534,000 | 1,360,000 | 2,072,000 | 2,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,957,000 | 20,710,000 | 21,449,000 | 21,745,000 |
| Total capital | 22,124,000 | 22,279,000 | 23,281,000 | 23,992,000 |
| Risk-weighted assets | 220,419,000 | 221,445,000 | 221,106,000 | 236,738,000 |
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