Call reports 2004
NORTHSTAR BANK — 2004
What NORTHSTAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 61,356,000 | 62,352,000 | 58,918,000 | 62,485,000 |
| Total loans | 49,238,000 | 49,475,000 | 49,129,000 | 49,532,000 |
| Allowance for loan losses | 459,000 | 440,000 | 450,000 | 469,000 |
| Securities available for sale | 287,000 | 282,000 | 282,000 | 278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,789,000 | 49,183,000 | 45,670,000 | 49,478,000 |
| Interest-bearing deposits | 42,770,000 | 42,844,000 | 41,623,000 | 44,279,000 |
| Noninterest-bearing deposits | 5,019,000 | 6,339,000 | 4,047,000 | 5,199,000 |
| Equity capital | 5,736,000 | 5,824,000 | 5,869,000 | 5,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,554,000 | 2,351,000 | 3,172,000 |
| Interest expense | 269,000 | 535,000 | 807,000 | 1,084,000 |
| Net interest income | 503,000 | 1,019,000 | 1,544,000 | 2,088,000 |
| Noninterest income | 211,000 | 362,000 | 621,000 | 819,000 |
| Noninterest expense | 502,000 | 1,007,000 | 1,606,000 | 2,172,000 |
| Provision for loan losses | 24,000 | 42,000 | 60,000 | 78,000 |
| Pretax income | 188,000 | 332,000 | 499,000 | 657,000 |
| Income tax | 70,000 | 124,000 | 186,000 | 235,000 |
| Net income | 118,000 | 208,000 | 313,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,075,000 | 5,176,000 | 5,231,000 | 4,950,000 |
| Total capital | 5,534,000 | 5,616,000 | 5,681,000 | 5,419,000 |
| Risk-weighted assets | 48,810,000 | 50,099,000 | 49,185,000 | 50,593,000 |