Call reports 2010
NORTHSTAR BANK — 2010
What NORTHSTAR BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 80,865,000 | 79,920,000 | 75,264,000 | 80,629,000 |
| Total loans | 65,091,000 | 66,674,000 | 62,749,000 | 65,820,000 |
| Allowance for loan losses | 772,000 | 862,000 | 789,000 | 788,000 |
| Securities available for sale | 2,975,000 | 2,851,000 | 2,916,000 | 3,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,039,000 | 66,909,000 | 65,034,000 | 68,406,000 |
| Interest-bearing deposits | 60,838,000 | 60,333,000 | 57,949,000 | 60,217,000 |
| Noninterest-bearing deposits | 7,201,000 | 6,576,000 | 7,085,000 | 8,189,000 |
| Equity capital | 7,759,000 | 7,957,000 | 8,181,000 | 8,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,994,000 | 2,981,000 | 3,920,000 |
| Interest expense | 280,000 | 535,000 | 772,000 | 961,000 |
| Net interest income | 708,000 | 1,459,000 | 2,209,000 | 2,959,000 |
| Noninterest income | 162,000 | 321,000 | 525,000 | 707,000 |
| Noninterest expense | 564,000 | 1,142,000 | 1,722,000 | 2,331,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 270,000 |
| Pretax income | 216,000 | 458,000 | 742,000 | 1,065,000 |
| Income tax | 11,000 | 23,000 | 36,000 | 48,000 |
| Net income | 205,000 | 435,000 | 706,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,204,000 | 7,347,000 | 7,522,000 | 7,846,000 |
| Total capital | 7,976,000 | 8,172,000 | 8,297,000 | 8,634,000 |
| Risk-weighted assets | 64,733,000 | 65,998,000 | 62,005,000 | 65,602,000 |