Call reports 2004
NORTHSTAR BANK, NATIONAL ASSOCIATION — 2004
What NORTHSTAR BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 128,908,000 | 148,137,000 | 151,033,000 | 159,715,000 |
| Total loans | 116,286,000 | 130,510,000 | 134,106,000 | 142,411,000 |
| Allowance for loan losses | 1,378,000 | 1,613,000 | 1,638,000 | 1,701,000 |
| Securities available for sale | 6,076,000 | 9,901,000 | 9,025,000 | 8,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,141,000 | 124,780,000 | 132,811,000 | 139,374,000 |
| Interest-bearing deposits | 90,706,000 | 110,209,000 | 117,787,000 | 125,441,000 |
| Noninterest-bearing deposits | 12,436,000 | 14,571,000 | 15,023,000 | 13,932,000 |
| Equity capital | 16,130,000 | 15,892,000 | 16,563,000 | 16,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,742,000 | 3,890,000 | 6,214,000 | 8,808,000 |
| Interest expense | 749,000 | 1,607,000 | 2,589,000 | 3,635,000 |
| Net interest income | 993,000 | 2,283,000 | 3,625,000 | 5,173,000 |
| Noninterest income | 169,000 | 393,000 | 871,000 | 1,217,000 |
| Noninterest expense | 1,163,000 | 2,636,000 | 4,184,000 | 5,716,000 |
| Provision for loan losses | 86,000 | 321,000 | 1,275,000 | 1,400,000 |
| Pretax income | -87,000 | -281,000 | -963,000 | -726,000 |
| Income tax | 0 | -94,000 | -324,000 | -238,000 |
| Net income | -87,000 | -187,000 | -639,000 | -488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,080,000 | 15,980,000 | 16,528,000 | 16,455,000 |
| Total capital | 17,458,000 | 17,593,000 | 18,166,000 | 18,156,000 |
| Risk-weighted assets | 126,989,000 | 153,753,000 | 160,515,000 | 169,536,000 |