FDIC Certificate #: 58520 Status: Active Federal Reserve ID: 3599055 Bank Holding Company (Regulatory Top Holder): Northstar Banking Corporation (RSSDID: 3599046, Location: Tampa, FL) Date Established: August 06, 2007 WWW:http://www.northstar-bank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 455253 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: August 06, 2007 Last Structure Change Effective Date: August 06, 2007 Last Structure Change Process Date: August 07, 2007 Last Data Update: August 07, 2007 Data Source Date: April 05, 2012
Location
Address: 400 North Ashley Drive, Tampa, FL 33602 County: Hillsborough Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Tampa Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Tampa-St. Petersburg-Clearwater, FL (#8280) Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (#45300) CBSA Metro Statistical Area: Tampa-St. Petersburg-Clearwater, FL (#45300)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $189.8 mil Equity capital: $17.5 mil Deposits held in domestic offices: $124.9 mil Return on assets (ROA): 0.47% ($0.9 mil) Quarterly return on assets: 0.80% ($1.5 mil) Return on Equity (ROE): 4.94% ($0.8 mil) Quarterly return on equity: 8.49% ($1.4 mil) Net income: $0.8 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.67% ($1,271.4 mil) Quarterly Pretax return on assets: 1.34% ($2,542.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
18Total employees (full-time equivalent)
$189,754Total assets
$1,683Cash and due from depository institutions
$36Interest-bearing balances
$130,603Securities
$0Federal funds sold & reverse repurchase agreements
$53,821Net loans & leases
$1,127Loan loss allowance
$0Trading account assets
$342Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$189,754Life insurance assets
$3,305All other assets
$172,261Total liabilities and capital
$124,929Total liabilities
$107,263Total deposits
$124,929Interest-bearing deposits
$86Deposits held in domestic offices
11000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$35,492Trading liabilities
$0Other borrowed funds
$840Subordinated debt
$17,493All other liabilities
$17,493Total equity capital
$17,493Total bank equity capital
$0Perpetual preferred stock
$8,000Common stock
$9,225Surplus
$268Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,131Income earned, not collected on loans
$0Earning assets
$1,096Long-term assets (5+ years)
$184,460Average Assets, year-to-date
$115,366Average Assets, quarterly
$169,980Volatile liabilities
$186,239Insider loans
$75,328FHLB advances
$184,210Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,506Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,094Restructured Loans and leases
$2,550Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,052Total interest income
$1,363Total interest expense
$4,689Net interest income
$481Provision for loan and lease losses
$148Total noninterest income
$0Fiduciary activities
$49Service charges on deposit accounts
$0Trading account gains & fees
$99Additional noninterest income
$3,675Total noninterest expense
$1,900Salaries and employee benefits
$504Premises and equipment expense
$1,271Additional noninterest expense
$681Pre-tax net operating income
$463Securities gains (losses)
$348Applicable income taxes
$796Income before extraordinary items
$0Extraordinary gains - net
$796Net income attributable to bank
$0Net charge-offs
$796Cash dividends
$249Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.69%Yield on earning assets
0.83%Cost of funding earning assets
2.86%Net interest margin
0.09%Noninterest income to earning assets
2.24%Noninterest expense to earning assets
0.28%Net operating income to assets
0.47%Return on assets (ROA)
0.67%Pretax return on assets
4.94%Return on equity (ROE)
4.94%Retained earnings to average equity (YTD only)
0.43%Net charge-offs to loans
193.17%Credit loss provision to net charge-offs
4.67%Efficiency ratio
75,977Assets per employee
10.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.05%Loss allowance to noncurrent loans
52.89%Noncurrent assets plus other real estate owned to assets
1.12%Noncurrent loans to loans
3.88%Net loans and leases to deposits
43.08%Net loans and leases to core deposits
46.59%Equity capital to assets
9.22%Core capital (leverage) ratio
8.42%Tier 1 risk-based capital ratio
20.58%Total risk-based capital ratio
Memoranda
$22Average assets
$169,980Average earning assets
$16,112Average equity
$163,974Average loans
List of branches
1 Florida Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
455253
Northstar Bank
400 North Ashley Drive, Tampa, FL 33602
August 06, 2007
Full Service Brick and Mortar
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