Call reports 2004
NORTHSTAR BANK — 2004
What NORTHSTAR BANK 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 | 90,632,000 | 95,420,000 | 98,813,000 | 102,409,000 |
| Total loans | 72,397,000 | 78,054,000 | 82,066,000 | 84,364,000 |
| Allowance for loan losses | 883,000 | 960,000 | 1,021,000 | 1,054,000 |
| Securities available for sale | 8,616,000 | 8,905,000 | 8,976,000 | 9,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,086,000 | 81,567,000 | 83,935,000 | 87,084,000 |
| Interest-bearing deposits | 68,698,000 | 72,409,000 | 73,126,000 | 76,110,000 |
| Noninterest-bearing deposits | 7,388,000 | 9,158,000 | 10,809,000 | 10,974,000 |
| Equity capital | 7,491,000 | 7,789,000 | 8,075,000 | 8,496,000 |
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 | 1,156,000 | 2,351,000 | 3,661,000 | 5,083,000 |
| Interest expense | 491,000 | 971,000 | 1,444,000 | 1,943,000 |
| Net interest income | 665,000 | 1,380,000 | 2,217,000 | 3,140,000 |
| Noninterest income | 68,000 | 154,000 | 228,000 | 325,000 |
| Noninterest expense | 683,000 | 1,373,000 | 2,087,000 | 2,813,000 |
| Provision for loan losses | 28,000 | 114,000 | 187,000 | 254,000 |
| Pretax income | 22,000 | 47,000 | 171,000 | 398,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 22,000 | 47,000 | 171,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,445,000 | 7,870,000 | 8,094,000 | 8,571,000 |
| Total capital | 8,328,000 | 8,830,000 | 9,115,000 | 9,625,000 |
| Risk-weighted assets | 73,282,000 | 78,558,000 | 82,306,000 | 86,127,000 |
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