Call reports 2019
FIRST NATIONAL BANK OF STERLING CITY, THE — 2019
What FIRST NATIONAL BANK OF STERLING CITY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 197,023,000 | 184,024,000 | 181,791,000 | 197,765,000 |
| Total loans | 27,304,000 | 26,644,000 | 27,598,000 | 26,755,000 |
| Allowance for loan losses | 385,000 | 418,000 | 353,000 | 345,000 |
| Securities available for sale | 103,591,000 | 103,306,000 | 104,496,000 | 104,878,000 |
| Securities held to maturity | 14,560,000 | 17,244,000 | 18,482,000 | 19,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,708,000 | 170,178,000 | 167,291,000 | 182,990,000 |
| Interest-bearing deposits | 119,431,000 | 111,519,000 | 107,966,000 | 110,571,000 |
| Noninterest-bearing deposits | 66,277,000 | 58,659,000 | 59,325,000 | 72,419,000 |
| Equity capital | 10,840,000 | 13,298,000 | 13,932,000 | 14,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,356,000 | 2,634,000 | 3,884,000 | 5,063,000 |
| Interest expense | 123,000 | 248,000 | 345,000 | 425,000 |
| Net interest income | 1,233,000 | 2,386,000 | 3,539,000 | 4,638,000 |
| Noninterest income | 76,000 | 164,000 | 248,000 | 346,000 |
| Noninterest expense | 757,000 | 1,505,000 | 2,220,000 | 3,040,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 552,000 | 1,051,000 | 1,594,000 | 2,013,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 552,000 | 1,051,000 | 1,594,000 | 2,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,036,000 | 15,426,000 | 15,860,000 | 16,103,000 |
| Total capital | 15,421,000 | 15,844,000 | 16,213,000 | 16,448,000 |
| Risk-weighted assets | 49,483,000 | 48,431,000 | 50,053,000 | 49,521,000 |