Call reports 2020
FIRST NATIONAL BANK OF STERLING CITY, THE — 2020
What FIRST NATIONAL BANK OF STERLING CITY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 201,200,000 | 201,656,000 | 196,065,000 | 210,641,000 |
| Total loans | 25,477,000 | 28,158,000 | 29,528,000 | 25,815,000 |
| Allowance for loan losses | 348,000 | 338,000 | 312,000 | 351,000 |
| Securities available for sale | 115,271,000 | 97,337,000 | 83,122,000 | 86,766,000 |
| Securities held to maturity | 19,893,000 | 28,638,000 | 32,309,000 | 37,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,776,000 | 184,397,000 | 178,674,000 | 193,453,000 |
| Interest-bearing deposits | 116,619,000 | 110,110,000 | 108,851,000 | 114,922,000 |
| Noninterest-bearing deposits | 68,157,000 | 74,287,000 | 69,824,000 | 78,532,000 |
| Equity capital | 15,106,000 | 16,637,000 | 16,710,000 | 16,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,222,000 | 2,254,000 | 3,209,000 | 4,122,000 |
| Interest expense | 84,000 | 123,000 | 160,000 | 188,000 |
| Net interest income | 1,138,000 | 2,131,000 | 3,049,000 | 3,934,000 |
| Noninterest income | 89,000 | 259,000 | 357,000 | 457,000 |
| Noninterest expense | 783,000 | 1,560,000 | 2,310,000 | 3,128,000 |
| Provision for loan losses | 0 | 0 | 0 | 37,000 |
| Pretax income | 458,000 | 1,039,000 | 1,362,000 | 1,591,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 458,000 | 1,039,000 | 1,362,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,465,000 | 17,056,000 | 17,389,000 | 17,629,000 |
| Total capital | 16,813,000 | 17,394,000 | 17,701,000 | 17,980,000 |
| Risk-weighted assets | 51,501,000 | 53,466,000 | 49,857,000 | 50,167,000 |