Call reports 2003
NORTHSTAR BANK, NATIONAL ASSOCIATION — 2003
What NORTHSTAR BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 110,003,000 | 108,052,000 | 116,724,000 | 124,121,000 |
| Total loans | 93,943,000 | 90,856,000 | 96,081,000 | 105,319,000 |
| Allowance for loan losses | 1,032,000 | 1,077,000 | 1,178,000 | 1,276,000 |
| Securities available for sale | 9,715,000 | 9,159,000 | 12,713,000 | 10,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,322,000 | 91,645,000 | 98,309,000 | 99,318,000 |
| Interest-bearing deposits | 82,039,000 | 82,202,000 | 85,922,000 | 85,164,000 |
| Noninterest-bearing deposits | 7,283,000 | 9,443,000 | 12,387,000 | 14,154,000 |
| Equity capital | 12,800,000 | 13,352,000 | 13,463,000 | 15,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,582,000 | 3,172,000 | 4,821,000 | 6,551,000 |
| Interest expense | 710,000 | 1,448,000 | 2,181,000 | 2,923,000 |
| Net interest income | 872,000 | 1,724,000 | 2,640,000 | 3,628,000 |
| Noninterest income | 146,000 | 345,000 | 537,000 | 723,000 |
| Noninterest expense | 849,000 | 1,728,000 | 2,610,000 | 3,593,000 |
| Provision for loan losses | 86,000 | 131,000 | 231,000 | 328,000 |
| Pretax income | 83,000 | 210,000 | 336,000 | 457,000 |
| Income tax | 0 | -429,000 | -388,000 | -357,000 |
| Net income | 83,000 | 639,000 | 724,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,761,000 | 13,317,000 | 13,402,000 | 15,492,000 |
| Total capital | 13,793,000 | 14,394,000 | 14,580,000 | 16,768,000 |
| Risk-weighted assets | 97,886,000 | 96,654,000 | 103,535,000 | 114,201,000 |