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 | 497,182,000 | 501,243,000 | 528,304,000 | 527,205,000 |
| Total loans | 403,882,000 | 422,231,000 | 434,665,000 | 449,530,000 |
| Allowance for loan losses | 8,563,000 | 8,645,000 | 8,598,000 | 8,386,000 |
| Securities available for sale | 38,399,000 | 38,637,000 | 38,993,000 | 37,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 129,000 | 100,000 | 439,000 | 427,000 |
| Total deposits | 428,781,000 | 432,474,000 | 456,456,000 | 455,757,000 |
| Interest-bearing deposits | 352,938,000 | 350,224,000 | 377,734,000 | 357,642,000 |
| Noninterest-bearing deposits | 75,843,000 | 82,250,000 | 78,722,000 | 98,115,000 |
| Equity capital | 50,048,000 | 50,541,000 | 51,870,000 | 52,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,108,000 | 10,318,000 | 16,029,000 | 21,594,000 |
| Interest expense | 557,000 | 1,064,000 | 1,543,000 | 2,030,000 |
| Net interest income | 4,551,000 | 9,254,000 | 14,486,000 | 19,564,000 |
| Noninterest income | 795,000 | 1,641,000 | 2,479,000 | 3,213,000 |
| Noninterest expense | 4,041,000 | 8,127,000 | 12,293,000 | 16,699,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,305,000 | 2,787,000 | 4,692,000 | 6,098,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,305,000 | 2,787,000 | 4,692,000 | 6,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,236,000 | 47,131,000 | 48,103,000 | 48,820,000 |
| Total capital | 51,381,000 | 52,571,000 | 53,682,000 | 54,657,000 |
| Risk-weighted assets | 408,206,000 | 431,983,000 | 443,272,000 | 464,441,000 |