Call reports 2006
NORTHSTAR BANK OF TEXAS — 2006
What NORTHSTAR BANK OF TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 389,408,000 | 424,212,000 | 436,448,000 | 475,285,000 |
| Total loans | 284,129,000 | 319,600,000 | 359,986,000 | 405,666,000 |
| Allowance for loan losses | 3,450,000 | 3,766,000 | 4,143,000 | 4,668,000 |
| Securities available for sale | 17,376,000 | 21,120,000 | 22,424,000 | 22,538,000 |
| Securities held to maturity | 999,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,198,000 | 384,781,000 | 394,879,000 | 428,010,000 |
| Interest-bearing deposits | 250,820,000 | 270,778,000 | 276,493,000 | 304,955,000 |
| Noninterest-bearing deposits | 103,378,000 | 114,003,000 | 118,386,000 | 123,055,000 |
| Equity capital | 27,702,000 | 31,401,000 | 32,846,000 | 36,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,452,000 | 11,846,000 | 19,061,000 | 27,243,000 |
| Interest expense | 1,770,000 | 3,971,000 | 6,529,000 | 9,511,000 |
| Net interest income | 3,682,000 | 7,875,000 | 12,532,000 | 17,732,000 |
| Noninterest income | 967,000 | 2,025,000 | 3,294,000 | 4,629,000 |
| Noninterest expense | 3,729,000 | 7,825,000 | 12,195,000 | 16,510,000 |
| Provision for loan losses | 150,000 | 452,000 | 856,000 | 1,538,000 |
| Pretax income | 770,000 | 1,623,000 | 2,775,000 | 4,313,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 770,000 | 1,623,000 | 2,775,000 | 4,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,671,000 | 31,535,000 | 32,722,000 | 36,645,000 |
| Total capital | 31,121,000 | 35,301,000 | 36,865,000 | 41,313,000 |
| Risk-weighted assets | 306,464,000 | 342,146,000 | 368,183,000 | 409,925,000 |
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