Call reports 2012
STERLING STATE BANK — 2012
What STERLING STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 295,125,000 | 295,819,000 | 296,717,000 | 303,162,000 |
| Total loans | 171,771,000 | 176,924,000 | 173,712,000 | 176,644,000 |
| Allowance for loan losses | 2,924,000 | 2,983,000 | 3,101,000 | 3,362,000 |
| Securities available for sale | 65,992,000 | 62,310,000 | 81,852,000 | 92,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,216,000 | 210,984,000 | 215,939,000 | 226,600,000 |
| Interest-bearing deposits | 179,779,000 | 174,159,000 | 173,248,000 | 182,757,000 |
| Noninterest-bearing deposits | 36,437,000 | 36,825,000 | 42,691,000 | 43,843,000 |
| Equity capital | 25,255,000 | 25,682,000 | 26,336,000 | 26,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,100,000 | 6,087,000 | 9,089,000 | 12,232,000 |
| Interest expense | 477,000 | 941,000 | 1,470,000 | 1,789,000 |
| Net interest income | 2,623,000 | 5,146,000 | 7,619,000 | 10,443,000 |
| Noninterest income | 535,000 | 1,087,000 | 1,607,000 | 2,107,000 |
| Noninterest expense | 2,808,000 | 5,542,000 | 8,262,000 | 11,301,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 425,000 |
| Pretax income | 275,000 | 541,000 | 782,000 | 1,014,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 270,000 | 536,000 | 777,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,589,000 | 24,855,000 | 25,096,000 | 25,329,000 |
| Total capital | 27,037,000 | 27,354,000 | 27,623,000 | 27,900,000 |
| Risk-weighted assets | 194,989,000 | 199,159,000 | 201,367,000 | 204,789,000 |