Call reports 2005
NORTHSTAR BANK — 2005
What NORTHSTAR BANK 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 | 103,249,000 | 108,993,000 | 118,084,000 | 126,564,000 |
| Total loans | 87,639,000 | 91,993,000 | 96,405,000 | 104,583,000 |
| Allowance for loan losses | 1,096,000 | 1,122,000 | 1,190,000 | 1,259,000 |
| Securities available for sale | 9,863,000 | 10,845,000 | 10,964,000 | 11,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,107,000 | 92,480,000 | 100,866,000 | 109,679,000 |
| Interest-bearing deposits | 77,597,000 | 81,909,000 | 90,356,000 | 97,084,000 |
| Noninterest-bearing deposits | 9,510,000 | 10,571,000 | 10,510,000 | 12,595,000 |
| Equity capital | 8,588,000 | 8,846,000 | 9,550,000 | 10,213,000 |
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 | 1,499,000 | 3,131,000 | 4,902,000 | 6,868,000 |
| Interest expense | 568,000 | 1,230,000 | 1,967,000 | 2,811,000 |
| Net interest income | 931,000 | 1,901,000 | 2,935,000 | 4,057,000 |
| Noninterest income | 84,000 | 189,000 | 348,000 | 462,000 |
| Noninterest expense | 786,000 | 1,597,000 | 2,489,000 | 3,448,000 |
| Provision for loan losses | 47,000 | 112,000 | 186,000 | 260,000 |
| Pretax income | 176,000 | 375,000 | 600,000 | 803,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 176,000 | 375,000 | 600,000 | 803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,747,000 | 8,945,000 | 9,670,000 | 10,373,000 |
| Total capital | 9,843,000 | 10,067,000 | 10,860,000 | 11,632,000 |
| Risk-weighted assets | 87,916,000 | 92,424,000 | 96,545,000 | 105,142,000 |
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