Call reports 2007
NORTHSTAR BANK OF TEXAS — 2007
What NORTHSTAR BANK OF TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 505,153,000 | 515,744,000 | 541,217,000 | 565,244,000 |
| Total loans | 424,701,000 | 443,510,000 | 459,292,000 | 489,588,000 |
| Allowance for loan losses | 4,985,000 | 5,250,000 | 5,389,000 | 5,542,000 |
| Securities available for sale | 22,441,000 | 22,154,000 | 22,117,000 | 21,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,476,000 | 450,841,000 | 487,445,000 | 509,387,000 |
| Interest-bearing deposits | 336,581,000 | 338,858,000 | 371,564,000 | 394,552,000 |
| Noninterest-bearing deposits | 118,895,000 | 111,983,000 | 115,881,000 | 114,835,000 |
| Equity capital | 39,709,000 | 40,181,000 | 41,836,000 | 46,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,412,000 | 17,548,000 | 27,021,000 | 37,064,000 |
| Interest expense | 3,351,000 | 7,146,000 | 11,181,000 | 15,392,000 |
| Net interest income | 5,061,000 | 10,402,000 | 15,840,000 | 21,672,000 |
| Noninterest income | 1,264,000 | 2,710,000 | 4,168,000 | 5,479,000 |
| Noninterest expense | 4,818,000 | 9,509,000 | 14,137,000 | 18,831,000 |
| Provision for loan losses | 287,000 | 604,000 | 955,000 | 1,306,000 |
| Pretax income | 1,220,000 | 2,999,000 | 4,916,000 | 7,013,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,220,000 | 2,999,000 | 4,916,000 | 7,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,545,000 | 40,188,000 | 41,656,000 | 45,793,000 |
| Total capital | 44,530,000 | 45,438,000 | 47,045,000 | 51,335,000 |
| Risk-weighted assets | 430,934,000 | 451,246,000 | 468,825,000 | 496,052,000 |
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