Call reports 2014
NORTHSTAR BANK — 2014
What NORTHSTAR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,097,153,000 | 1,112,371,000 | 1,104,857,000 | 1,745,262,000 |
| Total loans | 710,615,000 | 761,015,000 | 766,229,000 | 1,085,929,000 |
| Allowance for loan losses | 7,580,000 | 7,430,000 | 7,461,000 | 8,190,000 |
| Securities available for sale | 170,691,000 | 171,554,000 | 164,147,000 | 357,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 924,392,000 | 937,105,000 | 934,779,000 | 1,459,115,000 |
| Interest-bearing deposits | 862,733,000 | 869,107,000 | 869,754,000 | 1,346,467,000 |
| Noninterest-bearing deposits | 61,659,000 | 67,998,000 | 65,025,000 | 112,648,000 |
| Equity capital | 155,874,000 | 159,330,000 | 149,526,000 | 257,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 10,427,000 | 21,592,000 | 32,561,000 | 51,389,000 |
| Interest expense | 649,000 | 1,269,000 | 1,883,000 | 2,710,000 |
| Net interest income | 9,778,000 | 20,323,000 | 30,678,000 | 48,679,000 |
| Noninterest income | 3,384,000 | 7,685,000 | 12,384,000 | 18,474,000 |
| Noninterest expense | 9,265,000 | 18,871,000 | 28,463,000 | 46,567,000 |
| Provision for loan losses | 639,000 | 639,000 | 639,000 | 1,484,000 |
| Pretax income | 3,289,000 | 8,555,000 | 14,020,000 | 19,162,000 |
| Income tax | 969,000 | 2,580,000 | 4,240,000 | 5,802,000 |
| Net income | 2,232,000 | 5,737,000 | 9,318,000 | 12,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,742,000 | 117,537,000 | 107,925,000 | 161,460,000 |
| Total capital | 121,322,000 | 124,967,000 | 115,386,000 | 169,650,000 |
| Risk-weighted assets | 778,534,000 | 830,349,000 | 831,963,000 | 1,124,461,000 |