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 | 87,662,000 | 86,330,000 | 84,986,000 | 182,333,000 |
| Total loans | 66,115,000 | 68,646,000 | 68,094,000 | 129,202,000 |
| Allowance for loan losses | 677,000 | 698,000 | 738,000 | 764,000 |
| Securities available for sale | 5,671,000 | 5,290,000 | 5,394,000 | 27,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,026,000 | 75,488,000 | 73,812,000 | 160,572,000 |
| Interest-bearing deposits | 65,182,000 | 66,935,000 | 65,690,000 | 137,078,000 |
| Noninterest-bearing deposits | 10,844,000 | 8,553,000 | 8,122,000 | 23,494,000 |
| Equity capital | 8,863,000 | 9,048,000 | 9,343,000 | 19,353,000 |
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 | 874,000 | 1,775,000 | 2,660,000 | 3,713,000 |
| Interest expense | 148,000 | 283,000 | 399,000 | 523,000 |
| Net interest income | 726,000 | 1,492,000 | 2,261,000 | 3,190,000 |
| Noninterest income | 159,000 | 295,000 | 503,000 | 688,000 |
| Noninterest expense | 607,000 | 1,199,000 | 1,801,000 | 2,584,000 |
| Provision for loan losses | 10,000 | 34,000 | 58,000 | 98,000 |
| Pretax income | 268,000 | 554,000 | 905,000 | 1,196,000 |
| Income tax | 13,000 | 28,000 | 45,000 | 58,000 |
| Net income | 255,000 | 526,000 | 860,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,301,000 | 8,459,000 | 8,655,000 | 14,189,000 |
| Total capital | 8,978,000 | 9,157,000 | 9,393,000 | 14,953,000 |
| Risk-weighted assets | 67,895,000 | 69,785,000 | 69,063,000 | 134,936,000 |