Call reports 2007
NORTHSTAR BANK — 2007
What NORTHSTAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 37,262,000 | 33,795,000 | 32,196,000 | 30,536,000 |
| Total loans | 11,013,000 | 13,044,000 | 12,479,000 | 12,718,000 |
| Allowance for loan losses | 102,000 | 114,000 | 127,000 | 126,000 |
| Securities available for sale | 19,231,000 | 12,075,000 | 12,260,000 | 12,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,827,000 | 27,578,000 | 26,698,000 | 25,051,000 |
| Interest-bearing deposits | 25,116,000 | 21,709,000 | 21,509,000 | 19,612,000 |
| Noninterest-bearing deposits | 5,711,000 | 5,869,000 | 5,189,000 | 5,439,000 |
| Equity capital | 3,791,000 | 3,574,000 | 3,702,000 | 3,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,112,000 | 1,612,000 | 2,090,000 |
| Interest expense | 282,000 | 579,000 | 845,000 | 1,074,000 |
| Net interest income | 252,000 | 533,000 | 767,000 | 1,016,000 |
| Noninterest income | 14,000 | 36,000 | 58,000 | 79,000 |
| Noninterest expense | 306,000 | 630,000 | 971,000 | 1,337,000 |
| Provision for loan losses | -37,000 | -37,000 | -59,000 | -36,000 |
| Pretax income | -3,000 | -114,000 | -177,000 | -296,000 |
| Income tax | -1,000 | -39,000 | -60,000 | -86,000 |
| Net income | -2,000 | -75,000 | -117,000 | -210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,749,000 | 2,660,000 | 2,433,000 | 2,314,000 |
| Total capital | 2,851,000 | 2,774,000 | 2,560,000 | 2,440,000 |
| Risk-weighted assets | 16,995,000 | 17,985,000 | 16,914,000 | 16,868,000 |