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 | 553,250,000 | 545,564,000 | 591,084,000 | 596,435,000 |
| Total loans | 449,547,000 | 469,284,000 | 478,736,000 | 494,112,000 |
| Allowance for loan losses | 8,393,000 | 8,511,000 | 8,255,000 | 8,283,000 |
| Securities available for sale | 42,240,000 | 39,580,000 | 38,928,000 | 36,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 896,000 | 1,099,000 | 1,034,000 | 134,000 |
| Total deposits | 481,057,000 | 458,471,000 | 516,695,000 | 528,301,000 |
| Interest-bearing deposits | 390,007,000 | 360,751,000 | 416,222,000 | 413,305,000 |
| Noninterest-bearing deposits | 91,050,000 | 97,720,000 | 100,473,000 | 114,996,000 |
| Equity capital | 53,577,000 | 54,662,000 | 56,022,000 | 55,383,000 |
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 | 5,661,000 | 11,342,000 | 17,363,000 | 23,390,000 |
| Interest expense | 491,000 | 970,000 | 1,476,000 | 2,021,000 |
| Net interest income | 5,170,000 | 10,372,000 | 15,887,000 | 21,369,000 |
| Noninterest income | 667,000 | 1,549,000 | 2,402,000 | 3,298,000 |
| Noninterest expense | 4,124,000 | 8,383,000 | 12,715,000 | 17,370,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 1,713,000 | 3,438,000 | 5,474,000 | 7,197,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,713,000 | 3,438,000 | 5,474,000 | 7,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,672,000 | 50,531,000 | 51,732,000 | 52,081,000 |
| Total capital | 55,546,000 | 56,789,000 | 57,996,000 | 58,637,000 |
| Risk-weighted assets | 466,278,000 | 497,574,000 | 497,797,000 | 522,720,000 |