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 | 54,921,000 | 56,409,000 | 54,323,000 | 50,420,000 |
| Total loans | 10,621,000 | 11,826,000 | 10,300,000 | 10,750,000 |
| Allowance for loan losses | 167,000 | 209,000 | 991,000 | 726,000 |
| Securities available for sale | 0 | 1,635,000 | 1,564,000 | 33,915,000 |
| Securities held to maturity | 36,411,000 | 35,886,000 | 34,525,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,944,000 | 48,414,000 | 48,028,000 | 44,493,000 |
| Interest-bearing deposits | 47,681,000 | 46,048,000 | 45,976,000 | 42,054,000 |
| Noninterest-bearing deposits | 2,263,000 | 2,366,000 | 2,052,000 | 2,439,000 |
| Equity capital | 4,928,000 | 4,950,000 | 4,204,000 | 4,137,000 |
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 | 779,000 | 1,585,000 | 2,351,000 | 3,094,000 |
| Interest expense | 302,000 | 577,000 | 863,000 | 1,129,000 |
| Net interest income | 477,000 | 1,008,000 | 1,488,000 | 1,965,000 |
| Noninterest income | 14,000 | 26,000 | 282,000 | 292,000 |
| Noninterest expense | 377,000 | 789,000 | 1,250,000 | 1,687,000 |
| Provision for loan losses | 9,000 | 58,000 | 1,334,000 | 1,353,000 |
| Pretax income | 105,000 | 187,000 | -814,000 | -783,000 |
| Income tax | 33,000 | 61,000 | -235,000 | -266,000 |
| Net income | 72,000 | 126,000 | -579,000 | -517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,035,000 | 4,044,000 | 3,085,000 | 3,075,000 |
| Total capital | 4,202,000 | 4,253,000 | 3,363,000 | 3,348,000 |
| Risk-weighted assets | 22,733,000 | 24,059,000 | 21,501,000 | 21,457,000 |