Call reports 2007
NORTHSTAR BANK — 2007
What NORTHSTAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 77,404,000 | 76,905,000 | 77,357,000 | 81,956,000 |
| Total loans | 60,789,000 | 64,527,000 | 64,747,000 | 65,044,000 |
| Allowance for loan losses | 597,000 | 612,000 | 607,000 | 613,000 |
| Securities available for sale | 7,001,000 | 6,510,000 | 6,296,000 | 5,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,775,000 | 66,816,000 | 64,905,000 | 71,607,000 |
| Interest-bearing deposits | 62,648,000 | 61,787,000 | 59,630,000 | 64,895,000 |
| Noninterest-bearing deposits | 5,127,000 | 5,029,000 | 5,275,000 | 6,711,000 |
| Equity capital | 6,335,000 | 6,421,000 | 6,656,000 | 6,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,250,000 | 2,568,000 | 3,905,000 | 5,228,000 |
| Interest expense | 668,000 | 1,349,000 | 2,027,000 | 2,692,000 |
| Net interest income | 582,000 | 1,219,000 | 1,878,000 | 2,536,000 |
| Noninterest income | 193,000 | 346,000 | 563,000 | 777,000 |
| Noninterest expense | 605,000 | 1,214,000 | 1,831,000 | 2,513,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 152,000 | 318,000 | 559,000 | 728,000 |
| Income tax | 8,000 | 16,000 | 28,000 | 37,000 |
| Net income | 144,000 | 302,000 | 531,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,839,000 | 5,944,000 | 6,159,000 | 6,265,000 |
| Total capital | 6,436,000 | 6,556,000 | 6,766,000 | 6,878,000 |
| Risk-weighted assets | 62,029,000 | 64,656,000 | 65,047,000 | 65,870,000 |