Vitals
  • Total Assets
    188.6M 2.8 %
  • Total Deposits
    164.2M 3.0 %
  • Total Net Loans
    144.4M -3.0 %
  • Net Income
    2.8M 10.3 %
  • Book Value
    23.4M 3.0 %
  • Book Value x2
    46.7M 3.0 %
  • Book Value x3
    70.1M 3.0 %
ROAA

1.521

ROAE

12.096

Efficiency Ratio

55.104

Net Interest Margin

3.59

Balance Sheet Highlights
Financial Highlights Northstar Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 188,619 198,346
Total Net Loans 144,382 133,864
Total Deposits 164,223 165,124
Total Equity 23,362 22,060
Profitability
Net Income 2,783 2,310
Return on Average Assets 1.521 1.15
Return on Average Equity 12.096 9.92
Net Interest Margin 3.59 3.587
Efficiency Ratio 55.104 60.34
Noninterest Income/Revenue 11.426 13.494
Balance Sheet Ratios
Loan-to-Deposit 87.918 77.091
Securities/Assets .072 .197
Total Equity/Total Assets .124 .111
Tangible Equity/Tangible Assets .1 .107
Capital Adequacy
Tier 1 Common Capital 19,090 21,135
Tier 1 Capital 19,090 21,140
Tier 2 Capital 1,740 1,625
Total Capital 20,830 22,777
Total Risk Weighted Assets 139,132 151,308
Leverage Ratio 10.62 10.944
Common Equity Tier 1 Capital Ratio 13.72 15.631
Tier 1 Capital Ratio 13.72 15.631
Total Capital Ratio 14.97 16.675

Timeline for Northstar Bank

The Emmet County State Bank

Acquisition: Northstar Bank acquired a new subsidiary, The Emmet County State Bank, 11 years

View Profile Dec 08 2012

Northstar Bancshares, Inc.

Northstar Bancshares, Inc. became a new parent organization for Northstar Bank.

View Profile Jan 20 2000

Northstar Bank

Northstar Bank was established 27 years ago and is currently headquartered in Estherville, IA.

Apr 01 1997
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Emmet County State Bank Seller 83,015 Acquisition Discontinued 12/8/2012
Relationships Role Relationship Start Relationship End
Northstar Bancshares, Inc. Parent 1/20/2000
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