Call reports 2009
NORTHSTAR BANK — 2009
What NORTHSTAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 26,466,000 | 25,934,000 | 24,492,000 | 22,716,000 |
| Total loans | 9,633,000 | 9,313,000 | 10,079,000 | 10,036,000 |
| Allowance for loan losses | 206,000 | 205,000 | 200,000 | 201,000 |
| Securities available for sale | 11,788,000 | 11,277,000 | 9,037,000 | 6,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,008,000 | 21,140,000 | 20,157,000 | 18,532,000 |
| Interest-bearing deposits | 15,741,000 | 16,270,000 | 15,878,000 | 15,105,000 |
| Noninterest-bearing deposits | 5,267,000 | 4,870,000 | 4,279,000 | 3,427,000 |
| Equity capital | 3,838,000 | 3,732,000 | 3,732,000 | 3,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 341,000 | 625,000 | 948,000 | 1,251,000 |
| Interest expense | 107,000 | 195,000 | 285,000 | 363,000 |
| Net interest income | 234,000 | 430,000 | 663,000 | 888,000 |
| Noninterest income | 26,000 | 43,000 | 72,000 | 63,000 |
| Noninterest expense | 315,000 | 650,000 | 979,000 | 1,294,000 |
| Provision for loan losses | 1,000 | -1,000 | -1,000 | -1,000 |
| Pretax income | -56,000 | -176,000 | -235,000 | -294,000 |
| Income tax | -19,000 | -60,000 | -80,000 | -100,000 |
| Net income | -37,000 | -116,000 | -155,000 | -194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,124,000 | 2,005,000 | 1,962,000 | 1,912,000 |
| Total capital | 2,300,000 | 2,176,000 | 2,141,000 | 2,081,000 |
| Risk-weighted assets | 14,046,000 | 13,653,000 | 14,378,000 | 13,493,000 |