Call reports 2021
FIRST NATIONAL BANK OF STERLING CITY, THE — 2021
What FIRST NATIONAL BANK OF STERLING CITY, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 217,658,000 | 213,321,000 | 226,135,000 | 231,469,000 |
| Total loans | 26,568,000 | 27,937,000 | 29,289,000 | 28,898,000 |
| Allowance for loan losses | 352,000 | 370,000 | 335,000 | 343,000 |
| Securities available for sale | 110,584,000 | 113,092,000 | 112,969,000 | 115,587,000 |
| Securities held to maturity | 39,789,000 | 41,130,000 | 40,791,000 | 44,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,696,000 | 195,903,000 | 208,045,000 | 214,931,000 |
| Interest-bearing deposits | 123,059,000 | 120,527,000 | 131,561,000 | 115,050,000 |
| Noninterest-bearing deposits | 77,637,000 | 75,376,000 | 76,485,000 | 99,881,000 |
| Equity capital | 16,321,000 | 16,169,000 | 16,801,000 | 15,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,760,000 | 2,703,000 | 3,696,000 |
| Interest expense | 25,000 | 50,000 | 73,000 | 95,000 |
| Net interest income | 856,000 | 1,710,000 | 2,630,000 | 3,601,000 |
| Noninterest income | 470,000 | 723,000 | 814,000 | 922,000 |
| Noninterest expense | 754,000 | 1,482,000 | 2,182,000 | 3,128,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 40,000 |
| Pretax income | 586,000 | 938,000 | 1,248,000 | 1,366,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 586,000 | 938,000 | 1,248,000 | 1,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,225,000 | 18,488,000 | 18,723,000 | 18,711,000 |
| Total capital | 18,577,000 | 18,859,000 | 19,058,000 | 19,054,000 |
| Risk-weighted assets | 49,409,000 | 50,543,000 | 54,382,000 | 55,664,000 |