Call reports 2015
NORTHSTAR BANK — 2015
What NORTHSTAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,735,282,000 | 1,680,628,000 | 1,688,742,000 | 1,707,173,000 |
| Total loans | 1,027,307,000 | 1,010,251,000 | 1,003,609,000 | 982,172,000 |
| Allowance for loan losses | 8,783,000 | 8,990,000 | 9,103,000 | 9,106,000 |
| Securities available for sale | 356,938,000 | 361,488,000 | 343,142,000 | 346,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,445,644,000 | 1,389,535,000 | 1,392,092,000 | 1,435,505,000 |
| Interest-bearing deposits | 1,333,431,000 | 1,274,189,000 | 1,277,367,000 | 1,317,213,000 |
| Noninterest-bearing deposits | 112,213,000 | 115,346,000 | 114,725,000 | 118,292,000 |
| Equity capital | 260,474,000 | 262,350,000 | 266,387,000 | 241,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 15,585,000 | 31,091,000 | 45,903,000 | 60,501,000 |
| Interest expense | 680,000 | 1,323,000 | 1,942,000 | 2,568,000 |
| Net interest income | 14,905,000 | 29,768,000 | 43,961,000 | 57,933,000 |
| Noninterest income | 5,172,000 | 11,223,000 | 17,817,000 | 22,845,000 |
| Noninterest expense | 12,928,000 | 25,886,000 | 38,801,000 | 51,163,000 |
| Provision for loan losses | 540,000 | 810,000 | 1,080,000 | 1,350,000 |
| Pretax income | 6,609,000 | 14,295,000 | 21,897,000 | 28,265,000 |
| Income tax | 1,825,000 | 4,174,000 | 6,382,000 | 8,302,000 |
| Net income | 4,576,000 | 9,728,000 | 14,977,000 | 19,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,419,000 | 172,190,000 | 176,299,000 | 152,209,000 |
| Total capital | 179,202,000 | 181,180,000 | 185,402,000 | 161,315,000 |
| Risk-weighted assets | 1,181,870,000 | 1,165,146,000 | 1,170,886,000 | 1,121,353,000 |