Call reports 2003
NORTHSTAR BANK — 2003
What NORTHSTAR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,239,000 | 49,118,000 | 52,328,000 | 53,629,000 |
| Total loans | 14,798,000 | 13,112,000 | 12,971,000 | 11,533,000 |
| Allowance for loan losses | 215,000 | 214,000 | 182,000 | 179,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,589,000 | 29,375,000 | 32,586,000 | 35,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,988,000 | 44,849,000 | 47,967,000 | 49,256,000 |
| Interest-bearing deposits | 39,034,000 | 42,825,000 | 46,139,000 | 46,797,000 |
| Noninterest-bearing deposits | 1,954,000 | 2,023,000 | 1,828,000 | 2,459,000 |
| Equity capital | 4,162,000 | 4,203,000 | 4,280,000 | 4,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,436,000 | 2,196,000 | 2,971,000 |
| Interest expense | 286,000 | 601,000 | 906,000 | 1,212,000 |
| Net interest income | 408,000 | 835,000 | 1,290,000 | 1,759,000 |
| Noninterest income | 48,000 | 71,000 | 96,000 | 113,000 |
| Noninterest expense | 492,000 | 865,000 | 1,232,000 | 1,610,000 |
| Provision for loan losses | 165,000 | 165,000 | 179,000 | 199,000 |
| Pretax income | -201,000 | -124,000 | -25,000 | 63,000 |
| Income tax | 0 | 0 | 0 | 10,000 |
| Net income | -201,000 | -124,000 | -25,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,204,000 | 3,310,000 | 3,387,000 | 3,392,000 |
| Total capital | 3,419,000 | 3,524,000 | 3,569,000 | 3,571,000 |
| Risk-weighted assets | 23,412,000 | 22,945,000 | 23,738,000 | 23,271,000 |