Call reports 2012
NORTHSTAR BANK OF COLORADO — 2012
What NORTHSTAR BANK OF COLORADO reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 178,839,000 | 183,312,000 | 184,556,000 | 202,647,000 |
| Total loans | 79,260,000 | 78,041,000 | 73,573,000 | 69,885,000 |
| Allowance for loan losses | 366,000 | 721,000 | 785,000 | 687,000 |
| Securities available for sale | 54,018,000 | 54,165,000 | 58,357,000 | 54,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,679,000 | 157,804,000 | 158,374,000 | 176,680,000 |
| Interest-bearing deposits | 99,208,000 | 102,216,000 | 100,870,000 | 108,571,000 |
| Noninterest-bearing deposits | 54,471,000 | 55,588,000 | 57,504,000 | 68,109,000 |
| Equity capital | 22,966,000 | 23,256,000 | 23,684,000 | 23,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,741,000 | 3,421,000 | 5,016,000 | 6,454,000 |
| Interest expense | 59,000 | 117,000 | 177,000 | 231,000 |
| Net interest income | 1,682,000 | 3,304,000 | 4,839,000 | 6,223,000 |
| Noninterest income | 276,000 | 556,000 | 829,000 | 1,127,000 |
| Noninterest expense | 1,118,000 | 2,408,000 | 3,663,000 | 5,127,000 |
| Provision for loan losses | 105,000 | 525,000 | 645,000 | 725,000 |
| Pretax income | 735,000 | 927,000 | 1,360,000 | 1,498,000 |
| Income tax | 266,000 | 332,000 | 482,000 | 511,000 |
| Net income | 469,000 | 595,000 | 878,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,175,000 | 13,383,000 | 13,748,000 | 13,916,000 |
| Total capital | 13,541,000 | 14,104,000 | 14,533,000 | 14,603,000 |
| Risk-weighted assets | 97,988,000 | 98,935,000 | 95,465,000 | 95,915,000 |