Call reports 2002
NORTHSTAR BANK — 2002
What NORTHSTAR BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 45,195,000 | 48,642,000 | 51,866,000 | 58,047,000 |
| Total loans | 37,115,000 | 40,543,000 | 43,017,000 | 42,151,000 |
| Allowance for loan losses | 354,000 | 368,000 | 367,000 | 382,000 |
| Securities available for sale | 481,000 | 831,000 | 873,000 | 863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,172,000 | 37,584,000 | 40,592,000 | 45,473,000 |
| Interest-bearing deposits | 34,817,000 | 35,245,000 | 37,878,000 | 41,660,000 |
| Noninterest-bearing deposits | 2,355,000 | 2,339,000 | 2,714,000 | 3,813,000 |
| Equity capital | 3,383,000 | 4,500,000 | 4,642,000 | 4,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,497,000 | 2,318,000 | 3,122,000 |
| Interest expense | 334,000 | 668,000 | 1,018,000 | 1,372,000 |
| Net interest income | 392,000 | 829,000 | 1,300,000 | 1,750,000 |
| Noninterest income | 118,000 | 263,000 | 406,000 | 553,000 |
| Noninterest expense | 383,000 | 767,000 | 1,183,000 | 1,592,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 70,000 |
| Pretax income | 112,000 | 295,000 | 478,000 | 641,000 |
| Income tax | 42,000 | 110,000 | 178,000 | 226,000 |
| Net income | 70,000 | 185,000 | 300,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,132,000 | 4,253,000 | 4,374,000 | 4,496,000 |
| Total capital | 3,486,000 | 4,621,000 | 4,741,000 | 4,878,000 |
| Risk-weighted assets | 36,807,000 | 40,125,000 | 42,641,000 | 43,102,000 |