Call reports 2025
FIRST NATIONAL BANK OF STERLING CITY, THE — 2025
What FIRST NATIONAL BANK OF STERLING CITY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 226,876,000 | 226,011,000 | 241,353,000 | 245,322,000 |
| Total loans | 44,193,000 | 44,044,000 | 43,792,000 | 41,054,000 |
| Allowance for loan losses | 486,000 | 488,000 | 485,000 | 474,000 |
| Securities available for sale | 173,337,000 | 170,145,000 | 171,336,000 | 179,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,126,000 | 210,354,000 | 221,203,000 | 223,882,000 |
| Interest-bearing deposits | 124,244,000 | 122,159,000 | 126,326,000 | 127,712,000 |
| Noninterest-bearing deposits | 87,882,000 | 88,195,000 | 94,877,000 | 96,170,000 |
| Equity capital | 14,624,000 | 15,494,000 | 19,938,000 | 21,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,964,000 | 3,895,000 | 5,934,000 | 8,022,000 |
| Interest expense | 381,000 | 784,000 | 1,177,000 | 1,564,000 |
| Net interest income | 1,583,000 | 3,111,000 | 4,757,000 | 6,458,000 |
| Noninterest income | 141,000 | 249,000 | 355,000 | 466,000 |
| Noninterest expense | 839,000 | 1,663,000 | 2,509,000 | 3,426,000 |
| Provision for loan losses | 58,000 | 58,000 | 58,000 | 58,000 |
| Pretax income | 810,000 | 1,621,000 | 2,524,000 | 3,419,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 810,000 | 1,621,000 | 2,524,000 | 3,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,099,000 | 26,810,000 | 27,612,000 | 28,398,000 |
| Total capital | 26,585,000 | 27,298,000 | 28,097,000 | 28,871,000 |
| Risk-weighted assets | 73,840,000 | 72,928,000 | 74,786,000 | 72,498,000 |