Call reports 2009
NORTHSTAR BANK — 2009
What NORTHSTAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,493,000 | 81,784,000 | 86,175,000 | 90,914,000 |
| Total loans | 64,220,000 | 65,536,000 | 66,861,000 | 66,219,000 |
| Allowance for loan losses | 660,000 | 681,000 | 715,000 | 799,000 |
| Securities available for sale | 6,511,000 | 6,147,000 | 3,307,000 | 2,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,432,000 | 64,043,000 | 68,497,000 | 73,138,000 |
| Interest-bearing deposits | 64,364,000 | 57,033,000 | 61,620,000 | 64,861,000 |
| Noninterest-bearing deposits | 7,068,000 | 7,010,000 | 6,877,000 | 8,277,000 |
| Equity capital | 7,595,000 | 7,624,000 | 7,740,000 | 7,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,099,000 | 2,173,000 | 3,234,000 | 4,278,000 |
| Interest expense | 408,000 | 733,000 | 1,031,000 | 1,331,000 |
| Net interest income | 691,000 | 1,440,000 | 2,203,000 | 2,947,000 |
| Noninterest income | 177,000 | 316,000 | 504,000 | 676,000 |
| Noninterest expense | 582,000 | 1,244,000 | 1,837,000 | 2,462,000 |
| Provision for loan losses | 28,000 | 60,000 | 270,000 | 360,000 |
| Pretax income | 258,000 | 452,000 | 710,000 | 935,000 |
| Income tax | 10,000 | 18,000 | 28,000 | 20,000 |
| Net income | 248,000 | 434,000 | 682,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,978,000 | 7,074,000 | 7,098,000 | 7,345,000 |
| Total capital | 7,638,000 | 7,755,000 | 7,813,000 | 8,144,000 |
| Risk-weighted assets | 65,753,000 | 66,878,000 | 68,889,000 | 67,977,000 |