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 | 187,139,000 | 178,045,000 | 180,789,000 | 182,595,000 |
| Total loans | 119,146,000 | 118,000,000 | 118,251,000 | 128,145,000 |
| Allowance for loan losses | 841,000 | 917,000 | 995,000 | 1,065,000 |
| Securities available for sale | 27,219,000 | 25,385,000 | 20,015,000 | 24,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,298,000 | 156,501,000 | 158,782,000 | 160,229,000 |
| Interest-bearing deposits | 144,434,000 | 139,903,000 | 141,667,000 | 135,227,000 |
| Noninterest-bearing deposits | 20,864,000 | 16,598,000 | 17,115,000 | 25,002,000 |
| Equity capital | 19,552,000 | 19,539,000 | 19,988,000 | 20,276,000 |
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 | 1,489,000 | 2,956,000 | 4,412,000 | 5,921,000 |
| Interest expense | 160,000 | 320,000 | 474,000 | 621,000 |
| Net interest income | 1,329,000 | 2,636,000 | 3,938,000 | 5,300,000 |
| Noninterest income | 196,000 | 388,000 | 639,000 | 844,000 |
| Noninterest expense | 1,061,000 | 2,076,000 | 3,034,000 | 4,018,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 389,000 | 798,000 | 1,362,000 | 1,870,000 |
| Income tax | 18,000 | 39,000 | 58,000 | 89,000 |
| Net income | 371,000 | 759,000 | 1,304,000 | 1,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,410,000 | 14,663,000 | 15,048,000 | 15,464,000 |
| Total capital | 15,251,000 | 15,580,000 | 16,043,000 | 16,529,000 |
| Risk-weighted assets | 127,770,000 | 124,618,000 | 123,607,000 | 131,553,000 |