Call reports 2005
NORTHSTAR BANK — 2005
What NORTHSTAR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 63,661,000 | 64,806,000 | 64,600,000 | 75,313,000 |
| Total loans | 52,016,000 | 53,522,000 | 54,132,000 | 53,354,000 |
| Allowance for loan losses | 461,000 | 494,000 | 511,000 | 506,000 |
| Securities available for sale | 1,519,000 | 3,245,000 | 3,471,000 | 3,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,616,000 | 53,554,000 | 53,224,000 | 64,749,000 |
| Interest-bearing deposits | 47,450,000 | 49,776,000 | 49,093,000 | 58,864,000 |
| Noninterest-bearing deposits | 4,166,000 | 3,778,000 | 4,131,000 | 5,885,000 |
| Equity capital | 5,649,000 | 5,732,000 | 5,768,000 | 5,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,774,000 | 2,745,000 | 3,809,000 |
| Interest expense | 312,000 | 702,000 | 1,116,000 | 1,602,000 |
| Net interest income | 528,000 | 1,072,000 | 1,629,000 | 2,207,000 |
| Noninterest income | 210,000 | 388,000 | 612,000 | 810,000 |
| Noninterest expense | 581,000 | 1,141,000 | 1,710,000 | 2,288,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 139,000 | 283,000 | 477,000 | 657,000 |
| Income tax | 16,000 | 23,000 | 33,000 | 31,000 |
| Net income | 123,000 | 260,000 | 444,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,036,000 | 5,131,000 | 5,155,000 | 5,333,000 |
| Total capital | 5,497,000 | 5,625,000 | 5,666,000 | 5,839,000 |
| Risk-weighted assets | 52,941,000 | 53,900,000 | 54,278,000 | 56,105,000 |