Call reports 2015
NORTHSTAR BANK — 2015
What NORTHSTAR BANK 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 | 200,637,000 | 196,391,000 | 201,423,000 | 213,952,000 |
| Total loans | 99,521,000 | 101,035,000 | 109,134,000 | 123,870,000 |
| Allowance for loan losses | 1,379,000 | 1,447,000 | 1,497,000 | 1,751,000 |
| Securities available for sale | 71,748,000 | 67,960,000 | 64,802,000 | 61,587,000 |
| Securities held to maturity | 20,408,000 | 19,866,000 | 19,263,000 | 18,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,568,000 | 145,491,000 | 138,798,000 | 167,871,000 |
| Interest-bearing deposits | 126,266,000 | 113,815,000 | 109,588,000 | 132,269,000 |
| Noninterest-bearing deposits | 30,302,000 | 31,676,000 | 29,210,000 | 35,602,000 |
| Equity capital | 21,670,000 | 21,333,000 | 21,482,000 | 21,165,000 |
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 | 1,874,000 | 3,821,000 | 5,739,000 | 7,842,000 |
| Interest expense | 294,000 | 562,000 | 814,000 | 1,128,000 |
| Net interest income | 1,580,000 | 3,259,000 | 4,925,000 | 6,714,000 |
| Noninterest income | 180,000 | 278,000 | 337,000 | 426,000 |
| Noninterest expense | 1,411,000 | 2,884,000 | 4,409,000 | 6,061,000 |
| Provision for loan losses | 172,000 | 240,000 | 290,000 | 648,000 |
| Pretax income | 302,000 | 538,000 | 688,000 | 556,000 |
| Income tax | 80,000 | 135,000 | 167,000 | 175,000 |
| Net income | 222,000 | 403,000 | 521,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,378,000 | 19,559,000 | 19,677,000 | 19,588,000 |
| Total capital | 20,780,000 | 21,029,000 | 21,197,000 | 21,362,000 |
| Risk-weighted assets | 122,034,000 | 124,605,000 | 133,243,000 | 149,665,000 |