Call reports 2008
NORTHSTAR BANK — 2008
What NORTHSTAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 29,605,000 | 28,904,000 | 26,460,000 | 28,903,000 |
| Total loans | 11,856,000 | 11,653,000 | 11,525,000 | 10,816,000 |
| Allowance for loan losses | 118,000 | 113,000 | 101,000 | 210,000 |
| Securities available for sale | 12,356,000 | 10,484,000 | 9,718,000 | 10,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,940,000 | 24,084,000 | 21,197,000 | 24,166,000 |
| Interest-bearing deposits | 18,264,000 | 16,726,000 | 15,660,000 | 16,484,000 |
| Noninterest-bearing deposits | 4,676,000 | 7,358,000 | 5,537,000 | 7,682,000 |
| Equity capital | 3,872,000 | 3,624,000 | 3,774,000 | 3,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 874,000 | 1,258,000 | 1,626,000 |
| Interest expense | 208,000 | 366,000 | 505,000 | 633,000 |
| Net interest income | 246,000 | 508,000 | 753,000 | 993,000 |
| Noninterest income | 18,000 | 53,000 | 82,000 | 99,000 |
| Noninterest expense | 342,000 | 633,000 | 898,000 | 1,185,000 |
| Provision for loan losses | 15,000 | 1,000 | -10,000 | 99,000 |
| Pretax income | -93,000 | -73,000 | -50,000 | -189,000 |
| Income tax | -22,000 | -20,000 | -17,000 | -64,000 |
| Net income | -71,000 | -53,000 | -33,000 | -125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,269,000 | 2,310,000 | 2,339,000 | 2,166,000 |
| Total capital | 2,387,000 | 2,423,000 | 2,440,000 | 2,357,000 |
| Risk-weighted assets | 15,742,000 | 15,883,000 | 15,367,000 | 15,249,000 |