Call reports 2007
NORTHSTAR BANK — 2007
What NORTHSTAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 231,423,000 | 224,190,000 | 228,551,000 | 235,448,000 |
| Total loans | 174,217,000 | 187,011,000 | 193,753,000 | 198,128,000 |
| Allowance for loan losses | 1,841,000 | 2,063,000 | 2,214,000 | 2,360,000 |
| Securities available for sale | 22,947,000 | 17,754,000 | 15,785,000 | 15,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,000,000 | 191,658,000 | 190,839,000 | 195,160,000 |
| Interest-bearing deposits | 180,924,000 | 167,829,000 | 170,972,000 | 169,603,000 |
| Noninterest-bearing deposits | 18,076,000 | 23,829,000 | 19,867,000 | 25,557,000 |
| Equity capital | 24,414,000 | 24,431,000 | 24,645,000 | 24,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,783,000 | 7,572,000 | 11,470,000 | 15,394,000 |
| Interest expense | 1,870,000 | 3,690,000 | 5,518,000 | 7,310,000 |
| Net interest income | 1,913,000 | 3,882,000 | 5,952,000 | 8,084,000 |
| Noninterest income | 239,000 | 500,000 | 765,000 | 1,068,000 |
| Noninterest expense | 1,609,000 | 3,117,000 | 4,731,000 | 6,354,000 |
| Provision for loan losses | 134,000 | 379,000 | 569,000 | 844,000 |
| Pretax income | 408,000 | 885,000 | 1,416,000 | 1,953,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 408,000 | 885,000 | 1,416,000 | 1,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,229,000 | 19,443,000 | 19,549,000 | 19,676,000 |
| Total capital | 21,070,000 | 21,506,000 | 21,763,000 | 22,021,000 |
| Risk-weighted assets | 170,694,000 | 178,463,000 | 187,276,000 | 187,619,000 |
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