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 | 190,895,000 | 180,064,000 | 181,559,000 | 185,133,000 |
| Total loans | 124,271,000 | 127,290,000 | 133,880,000 | 141,663,000 |
| Allowance for loan losses | 1,141,000 | 1,220,000 | 1,296,000 | 1,367,000 |
| Securities available for sale | 26,477,000 | 26,129,000 | 14,483,000 | 17,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,240,000 | 157,860,000 | 158,980,000 | 161,943,000 |
| Interest-bearing deposits | 146,718,000 | 140,207,000 | 140,404,000 | 138,772,000 |
| Noninterest-bearing deposits | 22,522,000 | 17,653,000 | 18,576,000 | 23,171,000 |
| Equity capital | 20,207,000 | 20,681,000 | 21,035,000 | 21,605,000 |
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 | 1,483,000 | 3,015,000 | 4,551,000 | 6,129,000 |
| Interest expense | 132,000 | 264,000 | 390,000 | 513,000 |
| Net interest income | 1,351,000 | 2,751,000 | 4,161,000 | 5,616,000 |
| Noninterest income | 251,000 | 417,000 | 679,000 | 861,000 |
| Noninterest expense | 1,018,000 | 1,956,000 | 2,917,000 | 3,867,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 509,000 | 1,062,000 | 1,832,000 | 2,444,000 |
| Income tax | 25,000 | 53,000 | 92,000 | 116,000 |
| Net income | 484,000 | 1,009,000 | 1,740,000 | 2,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,328,000 | 15,692,000 | 16,263,000 | 16,836,000 |
| Total capital | 16,469,000 | 16,912,000 | 17,559,000 | 18,203,000 |
| Risk-weighted assets | 129,794,000 | 129,857,000 | 134,232,000 | 137,689,000 |