Call reports 2025
NORTHSTAR BANK — 2025
What NORTHSTAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,026,280,000 | 1,042,548,000 | 1,116,598,000 | 1,143,445,000 |
| Total loans | 870,035,000 | 889,848,000 | 955,894,000 | 965,035,000 |
| Allowance for loan losses | 10,993,000 | 11,361,000 | 12,167,000 | 12,491,000 |
| Securities available for sale | 81,794,000 | 78,881,000 | 83,624,000 | 88,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,500,000 | 2,741,000 | 2,361,000 | 2,246,000 |
| Total deposits | 906,550,000 | 861,180,000 | 936,913,000 | 943,647,000 |
| Interest-bearing deposits | 695,350,000 | 648,913,000 | 729,821,000 | 736,669,000 |
| Noninterest-bearing deposits | 211,200,000 | 212,267,000 | 207,092,000 | 206,978,000 |
| Equity capital | 91,224,000 | 92,463,000 | 97,269,000 | 94,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,598,000 | 27,934,000 | 43,393,000 | 58,908,000 |
| Interest expense | 4,051,000 | 8,364,000 | 13,067,000 | 18,056,000 |
| Net interest income | 9,547,000 | 19,570,000 | 30,326,000 | 40,852,000 |
| Noninterest income | 2,169,000 | 4,630,000 | 6,784,000 | 9,352,000 |
| Noninterest expense | 7,137,000 | 14,273,000 | 21,609,000 | 29,065,000 |
| Provision for loan losses | 269,000 | 2,794,000 | 3,602,000 | 4,002,000 |
| Pretax income | 4,338,000 | 7,148,000 | 11,940,000 | 17,193,000 |
| Income tax | 811,000 | 1,302,000 | 2,197,000 | 3,157,000 |
| Net income | 3,527,000 | 5,846,000 | 9,743,000 | 14,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,796,000 | 97,785,000 | 101,367,000 | 97,704,000 |
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