Call reports 2013
NORTHSTAR BANK — 2013
What NORTHSTAR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,144,545,000 | 1,129,541,000 | 1,095,709,000 | 1,101,375,000 |
| Total loans | 645,514,000 | 665,393,000 | 643,044,000 | 700,772,000 |
| Allowance for loan losses | 3,176,000 | 3,992,000 | 5,625,000 | 7,000,000 |
| Securities available for sale | 147,719,000 | 152,124,000 | 162,784,000 | 167,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 962,933,000 | 953,698,000 | 915,048,000 | 926,582,000 |
| Interest-bearing deposits | 897,312,000 | 896,674,000 | 857,178,000 | 872,499,000 |
| Noninterest-bearing deposits | 65,621,000 | 57,024,000 | 57,870,000 | 54,083,000 |
| Equity capital | 157,884,000 | 156,448,000 | 157,911,000 | 155,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 11,224,000 | 22,977,000 | 36,468,000 | 47,168,000 |
| Interest expense | 1,101,000 | 1,931,000 | 2,651,000 | 3,343,000 |
| Net interest income | 10,123,000 | 21,046,000 | 33,817,000 | 43,825,000 |
| Noninterest income | 3,728,000 | 8,147,000 | 12,305,000 | 17,820,000 |
| Noninterest expense | 8,804,000 | 18,162,000 | 27,470,000 | 42,302,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 3,400,000 | 4,833,000 |
| Pretax income | 4,147,000 | 9,231,000 | 15,252,000 | 14,521,000 |
| Income tax | 1,168,000 | 3,100,000 | 5,049,000 | 5,947,000 |
| Net income | 2,481,000 | 5,309,000 | 9,246,000 | 10,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,197,000 | 111,494,000 | 113,625,000 | 114,480,000 |
| Total capital | 110,373,000 | 115,486,000 | 119,250,000 | 121,480,000 |
| Risk-weighted assets | 693,424,000 | 717,713,000 | 706,092,000 | 773,760,000 |
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