Call reports 2005
NORTHSTAR BANK OF TEXAS — 2005
What NORTHSTAR BANK OF TEXAS 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 | 297,681,000 | 311,483,000 | 328,200,000 | 356,815,000 |
| Total loans | 235,021,000 | 242,835,000 | 259,234,000 | 276,731,000 |
| Allowance for loan losses | 2,447,000 | 2,829,000 | 3,111,000 | 3,313,000 |
| Securities available for sale | 10,941,000 | 11,192,000 | 12,195,000 | 14,893,000 |
| Securities held to maturity | 1,251,000 | 1,190,000 | 1,131,000 | 1,118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,288,000 | 279,385,000 | 294,729,000 | 317,068,000 |
| Interest-bearing deposits | 188,842,000 | 196,988,000 | 204,833,000 | 220,395,000 |
| Noninterest-bearing deposits | 76,446,000 | 82,397,000 | 89,896,000 | 96,673,000 |
| Equity capital | 22,065,000 | 22,349,000 | 22,722,000 | 28,075,000 |
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 | 3,972,000 | 8,338,000 | 13,061,000 | 18,263,000 |
| Interest expense | 952,000 | 2,059,000 | 3,376,000 | 4,875,000 |
| Net interest income | 3,020,000 | 6,279,000 | 9,685,000 | 13,388,000 |
| Noninterest income | 1,138,000 | 2,245,000 | 3,328,000 | 4,352,000 |
| Noninterest expense | 3,041,000 | 6,375,000 | 9,799,000 | 13,232,000 |
| Provision for loan losses | 405,000 | 810,000 | 1,125,000 | 1,375,000 |
| Pretax income | 712,000 | 1,339,000 | 2,089,000 | 3,132,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 712,000 | 1,339,000 | 2,089,000 | 3,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,734,000 | 22,008,000 | 22,485,000 | 27,921,000 |
| Total capital | 24,181,000 | 24,837,000 | 25,596,000 | 31,234,000 |
| Risk-weighted assets | 250,685,000 | 256,459,000 | 272,212,000 | 295,260,000 |
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