Call reports 2012
NORTHSTAR BANK — 2012
What NORTHSTAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 112,918,000 | 112,176,000 | 116,463,000 | 1,248,770,000 |
| Total loans | 42,257,000 | 46,027,000 | 46,325,000 | 713,592,000 |
| Allowance for loan losses | 745,000 | 750,000 | 735,000 | 2,305,000 |
| Securities available for sale | 30,597,000 | 33,304,000 | 33,730,000 | 136,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,270,000 | 95,748,000 | 99,993,000 | 978,798,000 |
| Interest-bearing deposits | 59,162,000 | 57,599,000 | 63,350,000 | 910,858,000 |
| Noninterest-bearing deposits | 36,108,000 | 38,149,000 | 36,643,000 | 67,940,000 |
| Equity capital | 17,087,000 | 15,968,000 | 15,769,000 | 155,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,918,000 | 2,884,000 | 24,319,000 |
| Interest expense | 60,000 | 123,000 | 198,000 | 2,144,000 |
| Net interest income | 857,000 | 1,795,000 | 2,686,000 | 22,175,000 |
| Noninterest income | 177,000 | 383,000 | 526,000 | 7,152,000 |
| Noninterest expense | 1,232,000 | 2,485,000 | 3,917,000 | 20,344,000 |
| Provision for loan losses | 38,000 | 75,000 | 214,000 | 1,947,000 |
| Pretax income | -236,000 | -382,000 | -919,000 | 7,066,000 |
| Income tax | -81,000 | -131,000 | -314,000 | 2,307,000 |
| Net income | -155,000 | -251,000 | -605,000 | 4,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,364,000 | 11,376,000 | 10,896,000 | 99,410,000 |
| Total capital | 12,064,000 | 12,126,000 | 11,631,000 | 101,715,000 |
| Risk-weighted assets | 56,184,000 | 61,420,000 | 60,523,000 | 759,672,000 |