Call reports 2025
NORTHSTAR BANK — 2025
What NORTHSTAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 206,279,000 | 196,412,000 | 206,822,000 | 205,021,000 |
| Total loans | 135,717,000 | 139,868,000 | 138,964,000 | 137,856,000 |
| Allowance for loan losses | 1,280,000 | 1,281,000 | 1,274,000 | 1,273,000 |
| Securities available for sale | 25,720,000 | 28,849,000 | 29,173,000 | 33,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,528,000 | 163,963,000 | 173,233,000 | 170,851,000 |
| Interest-bearing deposits | 150,115,000 | 140,001,000 | 151,038,000 | 146,665,000 |
| Noninterest-bearing deposits | 24,413,000 | 23,962,000 | 22,195,000 | 24,186,000 |
| Equity capital | 30,747,000 | 31,420,000 | 32,425,000 | 33,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,328,000 | 4,723,000 | 7,112,000 | 9,510,000 |
| Interest expense | 865,000 | 1,708,000 | 2,563,000 | 3,444,000 |
| Net interest income | 1,463,000 | 3,015,000 | 4,549,000 | 6,066,000 |
| Noninterest income | 326,000 | 524,000 | 789,000 | 1,062,000 |
| Noninterest expense | 976,000 | 1,889,000 | 2,834,000 | 3,761,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 813,000 | 1,650,000 | 2,504,000 | 3,367,000 |
| Income tax | 148,000 | 334,000 | 530,000 | 724,000 |
| Net income | 665,000 | 1,316,000 | 1,974,000 | 2,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,195,000 | 19,887,000 | 20,587,000 | 21,328,000 |
| Total capital | 20,480,000 | 21,173,000 | 21,866,000 | 22,606,000 |
| Risk-weighted assets | 138,009,000 | 138,875,000 | 141,412,000 | 138,304,000 |