Call reports 2002
NORTHSTAR BANK, NATIONAL ASSOCIATION — 2002
What NORTHSTAR BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 72,790,000 | 74,732,000 | 83,364,000 | 104,149,000 |
| Total loans | 57,122,000 | 64,827,000 | 72,365,000 | 88,875,000 |
| Allowance for loan losses | 640,000 | 850,000 | 914,000 | 1,053,000 |
| Securities available for sale | 4,522,000 | 4,044,000 | 6,437,000 | 9,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,137,000 | 63,319,000 | 63,504,000 | 83,147,000 |
| Interest-bearing deposits | 55,496,000 | 57,860,000 | 56,237,000 | 75,450,000 |
| Noninterest-bearing deposits | 5,641,000 | 5,459,000 | 7,266,000 | 7,698,000 |
| Equity capital | 11,056,000 | 10,716,000 | 10,657,000 | 12,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,020,000 | 2,248,000 | 3,531,000 | 5,025,000 |
| Interest expense | 576,000 | 1,182,000 | 1,780,000 | 2,436,000 |
| Net interest income | 444,000 | 1,066,000 | 1,751,000 | 2,589,000 |
| Noninterest income | 25,000 | 52,000 | 107,000 | 234,000 |
| Noninterest expense | 509,000 | 1,137,000 | 1,879,000 | 2,665,000 |
| Provision for loan losses | 105,000 | 490,000 | 554,000 | 693,000 |
| Pretax income | -145,000 | -509,000 | -575,000 | -535,000 |
| Income tax | 0 | 9,000 | 9,000 | 4,000 |
| Net income | -145,000 | -518,000 | -584,000 | -539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,072,000 | 10,699,000 | 10,633,000 | 12,678,000 |
| Total capital | 11,712,000 | 11,542,000 | 11,547,000 | 13,731,000 |
| Risk-weighted assets | 59,883,000 | 67,421,000 | 73,662,000 | 90,927,000 |