Call reports 2015
NORTHSTAR BANK OF COLORADO — 2015
What NORTHSTAR BANK OF COLORADO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 599,360,000 | 594,503,000 | 603,993,000 | 625,559,000 |
| Total loans | 363,277,000 | 362,598,000 | 398,842,000 | 414,297,000 |
| Allowance for loan losses | 4,408,000 | 4,641,000 | 4,859,000 | 5,101,000 |
| Securities available for sale | 72,335,000 | 68,939,000 | 65,806,000 | 58,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,844,000 | 478,825,000 | 485,828,000 | 526,282,000 |
| Interest-bearing deposits | 368,321,000 | 360,774,000 | 359,736,000 | 372,757,000 |
| Noninterest-bearing deposits | 116,523,000 | 118,051,000 | 126,092,000 | 153,525,000 |
| Equity capital | 109,448,000 | 110,490,000 | 112,395,000 | 93,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,056,000 | 12,223,000 | 18,261,000 | 24,693,000 |
| Interest expense | 311,000 | 617,000 | 937,000 | 1,296,000 |
| Net interest income | 5,745,000 | 11,606,000 | 17,324,000 | 23,397,000 |
| Noninterest income | 1,015,000 | 1,834,000 | 2,953,000 | 3,809,000 |
| Noninterest expense | 4,639,000 | 9,246,000 | 13,691,000 | 18,359,000 |
| Provision for loan losses | 250,000 | 475,000 | 700,000 | 925,000 |
| Pretax income | 1,871,000 | 3,719,000 | 5,886,000 | 7,939,000 |
| Income tax | 532,000 | 1,113,000 | 1,599,000 | 1,883,000 |
| Net income | 1,339,000 | 2,606,000 | 4,287,000 | 6,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,054,000 | 75,552,000 | 77,249,000 | 60,324,000 |
| Total capital | 76,462,000 | 80,193,000 | 82,108,000 | 65,425,000 |
| Risk-weighted assets | 454,388,000 | 447,909,000 | 486,871,000 | 504,905,000 |