Call reports 2005
NORTHSTAR BANK, NATIONAL ASSOCIATION — 2005
What NORTHSTAR BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 166,209,000 | 181,844,000 | 186,042,000 | 192,285,000 |
| Total loans | 149,344,000 | 165,069,000 | 169,174,000 | 174,149,000 |
| Allowance for loan losses | 1,874,000 | 2,014,000 | 2,104,000 | 2,195,000 |
| Securities available for sale | 8,941,000 | 8,977,000 | 8,957,000 | 8,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,690,000 | 159,309,000 | 162,025,000 | 164,508,000 |
| Interest-bearing deposits | 126,134,000 | 143,104,000 | 145,718,000 | 146,212,000 |
| Noninterest-bearing deposits | 14,556,000 | 16,205,000 | 16,306,000 | 18,296,000 |
| Equity capital | 16,770,000 | 18,168,000 | 18,338,000 | 18,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,553,000 | 5,382,000 | 8,418,000 | 11,536,000 |
| Interest expense | 1,099,000 | 2,344,000 | 3,764,000 | 5,231,000 |
| Net interest income | 1,454,000 | 3,038,000 | 4,654,000 | 6,305,000 |
| Noninterest income | 333,000 | 713,000 | 1,090,000 | 1,120,000 |
| Noninterest expense | 1,474,000 | 3,021,000 | 4,632,000 | 6,079,000 |
| Provision for loan losses | 110,000 | 250,000 | 340,000 | 435,000 |
| Pretax income | 203,000 | 480,000 | 772,000 | 911,000 |
| Income tax | 75,000 | 177,000 | 286,000 | 274,000 |
| Net income | 128,000 | 303,000 | 486,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,808,000 | 18,182,000 | 18,366,000 | 18,516,000 |
| Total capital | 18,682,000 | 20,196,000 | 20,470,000 | 20,711,000 |
| Risk-weighted assets | 177,348,000 | 187,456,000 | 193,384,000 | 185,941,000 |