Call reports 2016
NORTHSTAR BANK — 2016
What NORTHSTAR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 187,158,000 | 178,172,000 | 176,025,000 | 188,619,000 |
| Total loans | 151,967,000 | 149,284,000 | 145,103,000 | 146,213,000 |
| Allowance for loan losses | 1,694,000 | 1,739,000 | 1,785,000 | 1,831,000 |
| Securities available for sale | 15,853,000 | 15,288,000 | 14,603,000 | 13,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,338,000 | 153,764,000 | 151,532,000 | 164,223,000 |
| Interest-bearing deposits | 141,403,000 | 132,233,000 | 132,212,000 | 134,689,000 |
| Noninterest-bearing deposits | 21,935,000 | 21,531,000 | 19,320,000 | 29,534,000 |
| Equity capital | 22,634,000 | 23,146,000 | 23,221,000 | 23,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,676,000 | 3,368,000 | 5,004,000 | 6,637,000 |
| Interest expense | 116,000 | 235,000 | 355,000 | 483,000 |
| Net interest income | 1,560,000 | 3,133,000 | 4,649,000 | 6,154,000 |
| Noninterest income | 253,000 | 407,000 | 628,000 | 864,000 |
| Noninterest expense | 1,041,000 | 1,996,000 | 2,974,000 | 3,901,000 |
| Provision for loan losses | 55,000 | 100,000 | 145,000 | 193,000 |
| Pretax income | 717,000 | 1,444,000 | 2,158,000 | 2,924,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 141,000 |
| Net income | 681,000 | 1,372,000 | 2,050,000 | 2,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,128,000 | 18,580,000 | 18,681,000 | 19,090,000 |
| Total capital | 19,822,000 | 20,319,000 | 20,396,000 | 20,830,000 |
| Risk-weighted assets | 142,700,000 | 140,395,000 | 137,119,000 | 139,132,000 |