NorthStar Bank in Tampa, Florida (FL)

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NorthStar Bank
GeneralFDIC 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
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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
New Institution
Financial SummaryTotal 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)
Total employees (full-time equivalent)18
Total assets$189,754
Cash and due from depository institutions$1,683
Interest-bearing balances$36
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$53,821
Loan loss allowance $1,127
Trading account assets$0
Bank premises and fixed assets$342
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$3,305
Life insurance assets$189,754
Total liabilities and capital$172,261
Total liabilities$124,929
Total deposits$107,263
Interest-bearing deposits$124,929
Deposits held in domestic offices$86
% insured (estimated)11000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$35,492
Other borrowed funds $0
Subordinated debt $840
All other liabilities $17,493
Total equity capital$17,493
Total bank equity capital$17,493
Perpetual preferred stock$0
Common stock$8,000
Undivided profits $268
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,131
Earning assets $0
Long-term assets (5+ years) $1,096
Average Assets, year-to-date $184,460
Average Assets, quarterly $115,366
Volatile liabilities $169,980
Insider loans $186,239
FHLB advances $75,328
Loans and leases held for sale $184,210
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,506
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,094
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,052
Total interest expense $1,363
Net interest income $4,689
Provision for loan and lease losses $481
Total noninterest income $148
Fiduciary activities $0
Service charges on deposit accounts $49
Trading account gains & fees $0
Additional noninterest income $99
Total noninterest expense $3,675
Salaries and employee benefits $1,900
Premises and equipment expense $504
Additional noninterest expense $1,271
Pre-tax net operating income $681
Securities gains (losses) $463
Applicable income taxes $348
Income before extraordinary items $796
Extraordinary gains - net $0
Net income attributable to bank $796
Net charge-offs $0
Cash dividends $796
Sale, conversion, retirement of capital stock, net $249
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.69%
Cost of funding earning assets 0.83%
Net interest margin 2.86%
Noninterest income to earning assets 0.09%
Noninterest expense to earning assets 2.24%
Net operating income to assets 0.28%
Return on assets (ROA) 0.47%
Pretax return on assets 0.67%
Return on equity (ROE) 4.94%
Retained earnings to average equity (YTD only) 4.94%
Net charge-offs to loans 0.43%
Credit loss provision to net charge-offs 193.17%
Efficiency ratio4.67%
Assets per employee$75,977
Cash dividends to net income (YTD only)10.54%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.05%
Noncurrent assets plus other real estate owned to assets 52.89%
Noncurrent loans to loans 1.12%
Net loans and leases to deposits3.88%
Net loans and leases to core deposits 43.08%
Equity capital to assets 46.59%
Core capital (leverage) ratio 9.22%
Tier 1 risk-based capital ratio 8.42%
Total risk-based capital ratio 20.58%
Average assets$22
Average earning assets$169,980
Average equity $16,112
Average loans $163,974
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1 Florida Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0455253Northstar Bank400 North Ashley Drive, Tampa, FL 33602August 06, 2007Full Service Brick and Mortar
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