Call reports 2006
NORTHSTAR BANK — 2006
What NORTHSTAR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 36,630,000 | 35,516,000 | 36,536,000 | 34,610,000 |
| Total loans | 8,882,000 | 8,747,000 | 8,658,000 | 9,238,000 |
| Allowance for loan losses | 197,000 | 163,000 | 146,000 | 106,000 |
| Securities available for sale | 20,993,000 | 20,282,000 | 20,650,000 | 19,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,577,000 | 28,931,000 | 28,727,000 | 27,865,000 |
| Interest-bearing deposits | 24,796,000 | 23,366,000 | 24,214,000 | 22,202,000 |
| Noninterest-bearing deposits | 3,781,000 | 5,565,000 | 4,513,000 | 5,663,000 |
| Equity capital | 3,765,000 | 3,465,000 | 3,878,000 | 3,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,042,000 | 1,545,000 | 2,066,000 |
| Interest expense | 217,000 | 461,000 | 722,000 | 1,005,000 |
| Net interest income | 312,000 | 581,000 | 823,000 | 1,061,000 |
| Noninterest income | 14,000 | 25,000 | 40,000 | 66,000 |
| Noninterest expense | 361,000 | 703,000 | 1,026,000 | 1,381,000 |
| Provision for loan losses | -82,000 | -105,000 | -127,000 | -44,000 |
| Pretax income | 47,000 | 8,000 | -36,000 | -210,000 |
| Income tax | 14,000 | 1,000 | -14,000 | -73,000 |
| Net income | 33,000 | 7,000 | -22,000 | -137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,109,000 | 2,833,000 | 2,773,000 | 2,725,000 |
| Total capital | 3,306,000 | 2,996,000 | 2,919,000 | 2,831,000 |
| Risk-weighted assets | 17,116,000 | 15,288,000 | 14,834,000 | 15,111,000 |