Call reports 2019
NORTHSTAR BANK — 2019
What NORTHSTAR BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 191,607,000 | 186,597,000 | 189,905,000 | 192,222,000 |
| Total loans | 143,480,000 | 141,480,000 | 134,527,000 | 138,630,000 |
| Allowance for loan losses | 1,835,000 | 1,838,000 | 1,864,000 | 1,843,000 |
| Securities available for sale | 14,702,000 | 15,114,000 | 15,833,000 | 17,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,249,000 | 160,640,000 | 163,720,000 | 166,182,000 |
| Interest-bearing deposits | 147,104,000 | 143,159,000 | 142,048,000 | 146,445,000 |
| Noninterest-bearing deposits | 19,145,000 | 17,481,000 | 21,671,000 | 19,737,000 |
| Equity capital | 24,852,000 | 25,473,000 | 25,622,000 | 25,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,994,000 | 4,009,000 | 5,953,000 | 7,780,000 |
| Interest expense | 469,000 | 990,000 | 1,461,000 | 1,911,000 |
| Net interest income | 1,525,000 | 3,019,000 | 4,492,000 | 5,869,000 |
| Noninterest income | 206,000 | 375,000 | 593,000 | 812,000 |
| Noninterest expense | 1,039,000 | 2,013,000 | 2,941,000 | 3,929,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 689,000 | 1,375,000 | 2,135,000 | 2,740,000 |
| Income tax | 35,000 | 69,000 | 109,000 | 131,000 |
| Net income | 654,000 | 1,306,000 | 2,026,000 | 2,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,516,000 | 20,912,000 | 21,002,000 | 20,880,000 |
| Total capital | 22,271,000 | 22,648,000 | 22,664,000 | 22,582,000 |
| Risk-weighted assets | 140,350,000 | 138,804,000 | 132,725,000 | 136,011,000 |