Call reports 2012
FIRST NATIONAL BANK OF STERLING CITY, THE — 2012
What FIRST NATIONAL BANK OF STERLING CITY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 143,877,000 | 166,152,000 | 135,904,000 | 146,625,000 |
| Total loans | 25,107,000 | 26,661,000 | 27,560,000 | 29,383,000 |
| Allowance for loan losses | 325,000 | 327,000 | 329,000 | 311,000 |
| Securities available for sale | 69,622,000 | 83,868,000 | 87,183,000 | 88,764,000 |
| Securities held to maturity | 809,000 | 1,062,000 | 938,000 | 936,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,727,000 | 152,023,000 | 121,055,000 | 132,379,000 |
| Interest-bearing deposits | 94,197,000 | 100,955,000 | 75,300,000 | 76,384,000 |
| Noninterest-bearing deposits | 39,530,000 | 51,068,000 | 45,755,000 | 55,995,000 |
| Equity capital | 10,079,000 | 14,007,000 | 14,695,000 | 13,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,830,000 | 2,801,000 | 3,703,000 |
| Interest expense | 54,000 | 112,000 | 163,000 | 208,000 |
| Net interest income | 820,000 | 1,718,000 | 2,638,000 | 3,495,000 |
| Noninterest income | 83,000 | 159,000 | 243,000 | 334,000 |
| Noninterest expense | 621,000 | 1,262,000 | 1,909,000 | 2,648,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 285,000 | 623,000 | 1,007,000 | 1,363,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 285,000 | 623,000 | 1,007,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,303,000 | 11,821,000 | 12,144,000 | 11,902,000 |
| Total capital | 8,628,000 | 12,148,000 | 12,473,000 | 12,213,000 |
| Risk-weighted assets | 39,507,000 | 43,433,000 | 45,220,000 | 47,803,000 |