Call reports 2008
NORTHSTAR BANK — 2008
What NORTHSTAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 80,570,000 | 79,724,000 | 82,749,000 | 86,195,000 |
| Total loans | 67,436,000 | 66,294,000 | 67,466,000 | 66,724,000 |
| Allowance for loan losses | 629,000 | 644,000 | 665,000 | 655,000 |
| Securities available for sale | 7,190,000 | 7,494,000 | 7,202,000 | 6,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,928,000 | 66,673,000 | 70,694,000 | 72,135,000 |
| Interest-bearing deposits | 65,055,000 | 60,696,000 | 58,595,000 | 64,179,000 |
| Noninterest-bearing deposits | 5,873,000 | 5,977,000 | 12,099,000 | 7,956,000 |
| Equity capital | 6,989,000 | 6,974,000 | 7,102,000 | 7,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,245,000 | 2,421,000 | 3,556,000 | 4,687,000 |
| Interest expense | 560,000 | 1,024,000 | 1,446,000 | 1,894,000 |
| Net interest income | 685,000 | 1,397,000 | 2,110,000 | 2,793,000 |
| Noninterest income | 171,000 | 332,000 | 595,000 | 754,000 |
| Noninterest expense | 597,000 | 1,198,000 | 1,831,000 | 2,423,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 241,000 | 495,000 | 820,000 | 1,052,000 |
| Income tax | 12,000 | 25,000 | 41,000 | 50,000 |
| Net income | 229,000 | 470,000 | 779,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,421,000 | 6,588,000 | 6,763,000 | 6,918,000 |
| Total capital | 7,050,000 | 7,232,000 | 7,428,000 | 7,573,000 |
| Risk-weighted assets | 67,374,000 | 66,080,000 | 68,812,000 | 68,631,000 |