Call reports 2013
NORTHSTAR BANK — 2013
What NORTHSTAR BANK 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 | 194,341,000 | 187,209,000 | 197,540,000 | 208,630,000 |
| Total loans | 64,983,000 | 61,838,000 | 64,559,000 | 67,083,000 |
| Allowance for loan losses | 975,000 | 1,322,000 | 1,421,000 | 606,000 |
| Securities available for sale | 124,578,000 | 119,590,000 | 108,130,000 | 106,475,000 |
| Securities held to maturity | 0 | 0 | 18,436,000 | 23,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,071,000 | 139,607,000 | 141,471,000 | 162,172,000 |
| Interest-bearing deposits | 120,971,000 | 117,651,000 | 117,419,000 | 138,577,000 |
| Noninterest-bearing deposits | 20,100,000 | 21,956,000 | 24,052,000 | 23,595,000 |
| Equity capital | 22,013,000 | 20,466,000 | 20,043,000 | 20,184,000 |
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 | 1,468,000 | 3,058,000 | 4,711,000 | 6,509,000 |
| Interest expense | 347,000 | 673,000 | 1,009,000 | 1,410,000 |
| Net interest income | 1,121,000 | 2,385,000 | 3,702,000 | 5,099,000 |
| Noninterest income | 71,000 | 150,000 | 207,000 | 254,000 |
| Noninterest expense | 1,006,000 | 2,037,000 | 3,073,000 | 4,387,000 |
| Provision for loan losses | 10,000 | 345,000 | 430,000 | 440,000 |
| Pretax income | 176,000 | 477,000 | 900,000 | 1,020,000 |
| Income tax | 34,000 | 108,000 | 229,000 | 273,000 |
| Net income | 142,000 | 369,000 | 671,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,742,000 | 18,166,000 | 18,881,000 | 18,957,000 |
| Total capital | 18,740,000 | 19,419,000 | 20,139,000 | 19,586,000 |
| Risk-weighted assets | 98,611,000 | 100,137,000 | 100,482,000 | 105,893,000 |