Call reports 2015
FIRST NATIONAL BANK OF STERLING CITY, THE — 2015
What FIRST NATIONAL BANK OF STERLING CITY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 170,347,000 | 145,683,000 | 160,683,000 | 161,073,000 |
| Total loans | 32,813,000 | 32,783,000 | 35,380,000 | 35,297,000 |
| Allowance for loan losses | 396,000 | 405,000 | 417,000 | 427,000 |
| Securities available for sale | 101,714,000 | 94,746,000 | 92,179,000 | 90,972,000 |
| Securities held to maturity | 1,966,000 | 5,581,000 | 5,366,000 | 5,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,524,000 | 133,213,000 | 147,367,000 | 148,997,000 |
| Interest-bearing deposits | 57,371,000 | 83,678,000 | 61,435,000 | 63,319,000 |
| Noninterest-bearing deposits | 100,153,000 | 49,536,000 | 85,933,000 | 85,678,000 |
| Equity capital | 12,757,000 | 12,367,000 | 13,186,000 | 12,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 1,954,000 | 2,909,000 | 3,893,000 |
| Interest expense | 34,000 | 66,000 | 95,000 | 125,000 |
| Net interest income | 960,000 | 1,888,000 | 2,814,000 | 3,768,000 |
| Noninterest income | 85,000 | 177,000 | 266,000 | 362,000 |
| Noninterest expense | 691,000 | 1,411,000 | 2,112,000 | 2,904,000 |
| Provision for loan losses | 0 | 24,000 | 59,000 | 79,000 |
| Pretax income | 337,000 | 621,000 | 900,000 | 1,176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 337,000 | 621,000 | 900,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,943,000 | 13,117,000 | 13,283,000 | 12,786,000 |
| Total capital | 13,339,000 | 13,522,000 | 13,700,000 | 13,213,000 |
| Risk-weighted assets | 54,493,000 | 56,040,000 | 54,996,000 | 54,491,000 |