Call reports 2003
NORTHSTAR BANK — 2003
What NORTHSTAR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 55,695,000 | 54,758,000 | 53,859,000 | 63,218,000 |
| Total loans | 43,884,000 | 47,653,000 | 50,160,000 | 50,343,000 |
| Allowance for loan losses | 413,000 | 424,000 | 425,000 | 446,000 |
| Securities available for sale | 845,000 | 293,000 | 291,000 | 285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,174,000 | 42,515,000 | 39,497,000 | 50,643,000 |
| Interest-bearing deposits | 40,558,000 | 39,679,000 | 36,211,000 | 44,222,000 |
| Noninterest-bearing deposits | 2,616,000 | 2,836,000 | 3,286,000 | 6,421,000 |
| Equity capital | 4,831,000 | 4,935,000 | 5,486,000 | 5,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 767,000 | 1,557,000 | 2,351,000 | 3,139,000 |
| Interest expense | 330,000 | 647,000 | 925,000 | 1,193,000 |
| Net interest income | 437,000 | 910,000 | 1,426,000 | 1,946,000 |
| Noninterest income | 149,000 | 290,000 | 448,000 | 643,000 |
| Noninterest expense | 413,000 | 875,000 | 1,327,000 | 1,807,000 |
| Provision for loan losses | 28,000 | 46,000 | 64,000 | 102,000 |
| Pretax income | 145,000 | 319,000 | 523,000 | 720,000 |
| Income tax | 54,000 | 119,000 | 195,000 | 257,000 |
| Net income | 91,000 | 200,000 | 328,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,592,000 | 4,709,000 | 5,267,000 | 4,946,000 |
| Total capital | 5,005,000 | 5,133,000 | 5,692,000 | 5,392,000 |
| Risk-weighted assets | 43,694,000 | 46,110,000 | 48,104,000 | 50,272,000 |