Call reports 2020
NORTHSTAR BANK — 2020
What NORTHSTAR BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 195,155,000 | 190,168,000 | 193,866,000 | 203,305,000 |
| Total loans | 136,836,000 | 134,158,000 | 126,127,000 | 122,731,000 |
| Allowance for loan losses | 1,867,000 | 1,870,000 | 1,873,000 | 1,876,000 |
| Securities available for sale | 16,198,000 | 16,751,000 | 16,602,000 | 16,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,658,000 | 163,351,000 | 166,653,000 | 176,672,000 |
| Interest-bearing deposits | 148,856,000 | 140,484,000 | 140,397,000 | 147,934,000 |
| Noninterest-bearing deposits | 20,802,000 | 22,866,000 | 26,256,000 | 28,737,000 |
| Equity capital | 25,071,000 | 26,159,000 | 26,618,000 | 26,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,379,000 | 4,996,000 | 6,436,000 |
| Interest expense | 373,000 | 571,000 | 742,000 | 878,000 |
| Net interest income | 1,428,000 | 2,808,000 | 4,254,000 | 5,558,000 |
| Noninterest income | 196,000 | 352,000 | 539,000 | 760,000 |
| Noninterest expense | 975,000 | 1,996,000 | 2,913,000 | 3,826,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 681,000 | 1,193,000 | 1,906,000 | 2,515,000 |
| Income tax | 34,000 | 60,000 | 96,000 | 122,000 |
| Net income | 647,000 | 1,133,000 | 1,810,000 | 2,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,022,000 | 21,253,000 | 21,699,000 | 21,153,000 |
| Total capital | 22,714,000 | 22,889,000 | 23,277,000 | 22,674,000 |
| Risk-weighted assets | 135,161,000 | 130,664,000 | 125,915,000 | 121,321,000 |