Call reports 2008
NORTHSTAR BANK OF TEXAS — 2008
What NORTHSTAR BANK OF TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 592,018,000 | 619,417,000 | 624,205,000 | 650,270,000 |
| Total loans | 515,682,000 | 529,143,000 | 551,653,000 | 586,218,000 |
| Allowance for loan losses | 5,562,000 | 5,703,000 | 6,048,000 | 6,412,000 |
| Securities available for sale | 21,109,000 | 20,606,000 | 21,242,000 | 21,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 519,865,000 | 548,568,000 | 548,647,000 | 556,342,000 |
| Interest-bearing deposits | 485,475,000 | 502,783,000 | 511,603,000 | 523,242,000 |
| Noninterest-bearing deposits | 34,390,000 | 45,785,000 | 37,044,000 | 33,100,000 |
| Equity capital | 47,848,000 | 48,498,000 | 49,560,000 | 52,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,673,000 | 19,614,000 | 29,222,000 | 39,270,000 |
| Interest expense | 4,037,000 | 7,707,000 | 11,227,000 | 14,582,000 |
| Net interest income | 5,636,000 | 11,907,000 | 17,995,000 | 24,688,000 |
| Noninterest income | 1,339,000 | 2,718,000 | 4,222,000 | 5,517,000 |
| Noninterest expense | 4,894,000 | 9,793,000 | 14,951,000 | 20,158,000 |
| Provision for loan losses | 354,000 | 867,000 | 1,271,000 | 1,824,000 |
| Pretax income | 1,727,000 | 3,966,000 | 5,996,000 | 8,226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,727,000 | 3,966,000 | 5,996,000 | 8,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,323,000 | 48,334,000 | 49,477,000 | 52,089,000 |
| Total capital | 52,885,000 | 54,037,000 | 55,525,000 | 58,501,000 |
| Risk-weighted assets | 523,900,000 | 536,631,000 | 549,893,000 | 579,865,000 |
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