Call reports 2002
NORTHSTAR BANK — 2002
What NORTHSTAR BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 31,330,000 | 31,797,000 | 31,496,000 | 42,097,000 |
| Total loans | 14,736,000 | 16,810,000 | 16,633,000 | 15,933,000 |
| Allowance for loan losses | 165,000 | 171,000 | 186,000 | 149,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,579,000 | 10,767,000 | 9,818,000 | 17,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,272,000 | 26,352,000 | 27,455,000 | 38,135,000 |
| Interest-bearing deposits | 24,159,000 | 23,819,000 | 24,706,000 | 35,956,000 |
| Noninterest-bearing deposits | 3,113,000 | 2,533,000 | 2,749,000 | 2,179,000 |
| Equity capital | 3,597,000 | 3,677,000 | 3,877,000 | 3,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,186,000 | 1,807,000 | 2,409,000 |
| Interest expense | 232,000 | 475,000 | 718,000 | 970,000 |
| Net interest income | 320,000 | 711,000 | 1,089,000 | 1,439,000 |
| Noninterest income | 48,000 | 66,000 | 122,000 | 176,000 |
| Noninterest expense | 394,000 | 738,000 | 1,108,000 | 1,501,000 |
| Provision for loan losses | 0 | 11,000 | 26,000 | 41,000 |
| Pretax income | -26,000 | 28,000 | 77,000 | 73,000 |
| Income tax | 0 | -26,000 | -177,000 | -168,000 |
| Net income | -26,000 | 54,000 | 254,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,656,000 | 2,726,000 | 2,831,000 | 2,878,000 |
| Total capital | 2,821,000 | 2,897,000 | 3,017,000 | 3,027,000 |
| Risk-weighted assets | 20,486,000 | 22,081,000 | 21,674,000 | 23,430,000 |