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 | 44,455,000 | 39,863,000 | 39,025,000 | 37,215,000 |
| Total loans | 10,791,000 | 10,527,000 | 9,741,000 | 9,067,000 |
| Allowance for loan losses | 596,000 | 546,000 | 381,000 | 329,000 |
| Securities available for sale | 26,643,000 | 23,453,000 | 22,471,000 | 21,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,746,000 | 35,585,000 | 31,674,000 | 30,119,000 |
| Interest-bearing deposits | 37,967,000 | 32,715,000 | 28,118,000 | 26,333,000 |
| Noninterest-bearing deposits | 1,779,000 | 2,870,000 | 3,556,000 | 3,786,000 |
| Equity capital | 3,948,000 | 4,210,000 | 4,063,000 | 3,868,000 |
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 | 654,000 | 1,249,000 | 1,805,000 | 2,346,000 |
| Interest expense | 228,000 | 435,000 | 627,000 | 829,000 |
| Net interest income | 426,000 | 814,000 | 1,178,000 | 1,517,000 |
| Noninterest income | -9,000 | 4,000 | 27,000 | 49,000 |
| Noninterest expense | 420,000 | 896,000 | 1,417,000 | 1,764,000 |
| Provision for loan losses | -74,000 | -65,000 | -228,000 | -234,000 |
| Pretax income | 54,000 | -27,000 | 2,000 | 22,000 |
| Income tax | 18,000 | 1,000 | 10,000 | 6,000 |
| Net income | 36,000 | -28,000 | -8,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,137,000 | 3,005,000 | 3,024,000 | 3,051,000 |
| Total capital | 3,395,000 | 3,245,000 | 3,253,000 | 3,268,000 |
| Risk-weighted assets | 20,268,000 | 18,856,000 | 18,155,000 | 17,259,000 |