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 | 186,431,000 | 179,995,000 | 181,788,000 | 183,394,000 |
| Total loans | 139,173,000 | 143,792,000 | 145,653,000 | 150,516,000 |
| Allowance for loan losses | 1,442,000 | 1,518,000 | 1,594,000 | 1,639,000 |
| Securities available for sale | 17,999,000 | 17,890,000 | 17,112,000 | 16,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,621,000 | 156,905,000 | 156,312,000 | 159,443,000 |
| Interest-bearing deposits | 141,599,000 | 137,023,000 | 136,835,000 | 131,191,000 |
| Noninterest-bearing deposits | 22,022,000 | 19,882,000 | 19,477,000 | 28,252,000 |
| Equity capital | 21,392,000 | 21,616,000 | 21,985,000 | 22,675,000 |
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 | 1,574,000 | 3,172,000 | 4,793,000 | 6,422,000 |
| Interest expense | 118,000 | 238,000 | 359,000 | 480,000 |
| Net interest income | 1,456,000 | 2,934,000 | 4,434,000 | 5,942,000 |
| Noninterest income | 182,000 | 353,000 | 604,000 | 824,000 |
| Noninterest expense | 977,000 | 1,957,000 | 2,893,000 | 3,815,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 586,000 | 1,180,000 | 1,920,000 | 2,651,000 |
| Income tax | 29,000 | 59,000 | 96,000 | 127,000 |
| Net income | 557,000 | 1,121,000 | 1,824,000 | 2,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,987,000 | 17,304,000 | 17,654,000 | 18,364,000 |
| Total capital | 18,429,000 | 18,822,000 | 19,248,000 | 20,003,000 |
| Risk-weighted assets | 133,514,000 | 136,670,000 | 138,133,000 | 141,058,000 |