Call reports 2018
FIRST NATIONAL BANK OF STERLING CITY, THE — 2018
What FIRST NATIONAL BANK OF STERLING CITY, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 172,526,000 | 170,595,000 | 186,800,000 | 183,532,000 |
| Total loans | 28,195,000 | 29,422,000 | 29,960,000 | 30,181,000 |
| Allowance for loan losses | 368,000 | 377,000 | 384,000 | 383,000 |
| Securities available for sale | 101,490,000 | 100,702,000 | 99,502,000 | 103,781,000 |
| Securities held to maturity | 7,677,000 | 12,191,000 | 13,264,000 | 13,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,644,000 | 161,724,000 | 177,768,000 | 173,449,000 |
| Interest-bearing deposits | 100,632,000 | 96,976,000 | 99,646,000 | 105,447,000 |
| Noninterest-bearing deposits | 63,012,000 | 64,748,000 | 78,123,000 | 68,002,000 |
| Equity capital | 8,499,000 | 8,421,000 | 8,541,000 | 9,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,085,000 | 2,210,000 | 3,413,000 | 4,700,000 |
| Interest expense | 71,000 | 151,000 | 237,000 | 331,000 |
| Net interest income | 1,014,000 | 2,059,000 | 3,176,000 | 4,369,000 |
| Noninterest income | 92,000 | 160,000 | 257,000 | 379,000 |
| Noninterest expense | 739,000 | 1,472,000 | 2,187,000 | 2,985,000 |
| Provision for loan losses | 25,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 342,000 | 712,000 | 1,211,000 | 1,728,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 342,000 | 712,000 | 1,211,000 | 1,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,612,000 | 13,817,000 | 14,237,000 | 14,593,000 |
| Total capital | 13,980,000 | 14,194,000 | 14,621,000 | 14,976,000 |
| Risk-weighted assets | 48,854,000 | 51,065,000 | 50,787,000 | 52,069,000 |