Call reports 2006
NORTHSTAR BANK — 2006
What NORTHSTAR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,331,000 | 70,860,000 | 72,848,000 | 77,304,000 |
| Total loans | 56,182,000 | 57,825,000 | 57,574,000 | 57,704,000 |
| Allowance for loan losses | 526,000 | 545,000 | 555,000 | 579,000 |
| Securities available for sale | 5,492,000 | 5,694,000 | 5,987,000 | 6,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,025,000 | 61,058,000 | 62,893,000 | 67,325,000 |
| Interest-bearing deposits | 59,729,000 | 56,446,000 | 57,797,000 | 61,084,000 |
| Noninterest-bearing deposits | 6,296,000 | 4,612,000 | 5,096,000 | 6,241,000 |
| Equity capital | 5,944,000 | 6,030,000 | 6,127,000 | 6,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,131,000 | 2,323,000 | 3,540,000 | 4,794,000 |
| Interest expense | 564,000 | 1,146,000 | 1,756,000 | 2,411,000 |
| Net interest income | 567,000 | 1,177,000 | 1,784,000 | 2,383,000 |
| Noninterest income | 270,000 | 435,000 | 626,000 | 815,000 |
| Noninterest expense | 636,000 | 1,213,000 | 1,797,000 | 2,378,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 183,000 | 363,000 | 559,000 | 748,000 |
| Income tax | 21,000 | 30,000 | 40,000 | 47,000 |
| Net income | 162,000 | 333,000 | 519,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,320,000 | 5,553,000 | 5,622,000 | 5,744,000 |
| Total capital | 5,846,000 | 6,098,000 | 6,177,000 | 6,323,000 |
| Risk-weighted assets | 58,454,000 | 58,577,000 | 58,805,000 | 60,174,000 |