Call reports 2016
NORTHSTAR BANK — 2016
What NORTHSTAR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 211,184,000 | 214,758,000 | 217,194,000 | 211,312,000 |
| Total loans | 126,438,000 | 130,002,000 | 136,685,000 | 137,601,000 |
| Allowance for loan losses | 1,791,000 | 1,771,000 | 1,767,000 | 1,789,000 |
| Securities available for sale | 59,097,000 | 56,624,000 | 52,925,000 | 49,393,000 |
| Securities held to maturity | 18,112,000 | 17,532,000 | 16,801,000 | 16,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,843,000 | 152,479,000 | 156,932,000 | 157,769,000 |
| Interest-bearing deposits | 120,140,000 | 119,068,000 | 113,982,000 | 113,555,000 |
| Noninterest-bearing deposits | 33,703,000 | 33,411,000 | 42,950,000 | 44,214,000 |
| Equity capital | 21,419,000 | 21,675,000 | 21,889,000 | 21,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,118,000 | 4,377,000 | 6,681,000 | 8,972,000 |
| Interest expense | 340,000 | 612,000 | 850,000 | 1,081,000 |
| Net interest income | 1,778,000 | 3,765,000 | 5,831,000 | 7,891,000 |
| Noninterest income | 208,000 | 333,000 | 450,000 | 586,000 |
| Noninterest expense | 1,748,000 | 3,626,000 | 5,467,000 | 7,152,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 116,000 |
| Pretax income | 198,000 | 432,000 | 776,000 | 1,211,000 |
| Income tax | 75,000 | 163,000 | 292,000 | 424,000 |
| Net income | 123,000 | 269,000 | 484,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,750,000 | 19,934,000 | 20,186,000 | 20,376,000 |
| Total capital | 21,564,000 | 21,729,000 | 21,976,000 | 22,188,000 |
| Risk-weighted assets | 150,583,000 | 153,286,000 | 158,879,000 | 165,287,000 |