Call reports 2023
NORTHSTAR BANK — 2023
What NORTHSTAR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 223,441,000 | 213,254,000 | 211,519,000 | 207,652,000 |
| Total loans | 116,553,000 | 119,746,000 | 126,559,000 | 132,592,000 |
| Allowance for loan losses | 918,000 | 1,011,000 | 1,100,000 | 1,170,000 |
| Securities available for sale | 47,197,000 | 45,938,000 | 45,144,000 | 46,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,651,000 | 180,266,000 | 178,035,000 | 173,261,000 |
| Interest-bearing deposits | 162,229,000 | 152,471,000 | 152,297,000 | 146,716,000 |
| Noninterest-bearing deposits | 28,422,000 | 27,795,000 | 25,738,000 | 26,545,000 |
| Equity capital | 32,162,000 | 32,474,000 | 32,879,000 | 33,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,268,000 | 4,522,000 | 6,780,000 | 9,045,000 |
| Interest expense | 541,000 | 1,172,000 | 1,983,000 | 2,856,000 |
| Net interest income | 1,727,000 | 3,350,000 | 4,797,000 | 6,189,000 |
| Noninterest income | 245,000 | 409,000 | 637,000 | 901,000 |
| Noninterest expense | 1,034,000 | 1,967,000 | 2,901,000 | 4,091,000 |
| Provision for loan losses | 97,000 | 190,000 | 279,000 | 351,000 |
| Pretax income | 841,000 | 1,601,000 | 2,246,000 | 2,638,000 |
| Income tax | 201,000 | 382,000 | 535,000 | 606,000 |
| Net income | 640,000 | 1,219,000 | 1,711,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,114,000 | 21,742,000 | 22,285,000 | 22,655,000 |
| Total capital | 22,032,000 | 22,753,000 | 23,385,000 | 23,825,000 |
| Risk-weighted assets | 115,114,000 | 117,451,000 | 123,171,000 | 129,719,000 |