Call reports 2013
NORTHSTAR BANK OF COLORADO — 2013
What NORTHSTAR BANK OF COLORADO reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 194,772,000 | 196,795,000 | 668,128,000 | 665,412,000 |
| Total loans | 67,192,000 | 68,364,000 | 337,457,000 | 343,904,000 |
| Allowance for loan losses | 751,000 | 741,000 | 2,114,000 | 3,006,000 |
| Securities available for sale | 55,106,000 | 49,416,000 | 80,954,000 | 80,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,630,000 | 170,765,000 | 559,500,000 | 556,452,000 |
| Interest-bearing deposits | 111,704,000 | 110,923,000 | 441,462,000 | 426,424,000 |
| Noninterest-bearing deposits | 56,926,000 | 59,842,000 | 118,038,000 | 130,028,000 |
| Equity capital | 23,846,000 | 23,581,000 | 102,290,000 | 101,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,446,000 | 2,854,000 | 19,521,000 | 25,651,000 |
| Interest expense | 49,000 | 97,000 | 1,322,000 | 1,717,000 |
| Net interest income | 1,397,000 | 2,757,000 | 18,199,000 | 23,934,000 |
| Noninterest income | 338,000 | 692,000 | 3,220,000 | 4,620,000 |
| Noninterest expense | 1,314,000 | 2,651,000 | 19,637,000 | 26,605,000 |
| Provision for loan losses | 90,000 | 221,000 | 2,056,000 | 2,621,000 |
| Pretax income | 331,000 | 577,000 | -274,000 | -672,000 |
| Income tax | 113,000 | 196,000 | -101,000 | -324,000 |
| Net income | 218,000 | 381,000 | -173,000 | -348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,760,000 | 14,997,000 | 58,508,000 | 58,485,000 |
| Total capital | 15,511,000 | 15,738,000 | 60,622,000 | 61,491,000 |
| Risk-weighted assets | 93,556,000 | 95,345,000 | 374,773,000 | 409,709,000 |