Call reports 2013
STERLING STATE BANK — 2013
What STERLING STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 304,001,000 | 296,754,000 | 293,863,000 | 310,191,000 |
| Total loans | 177,007,000 | 178,184,000 | 171,530,000 | 169,149,000 |
| Allowance for loan losses | 3,346,000 | 3,295,000 | 3,299,000 | 3,310,000 |
| Securities available for sale | 94,458,000 | 88,271,000 | 85,498,000 | 98,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,586,000 | 223,500,000 | 223,310,000 | 241,108,000 |
| Interest-bearing deposits | 182,176,000 | 178,163,000 | 174,294,000 | 181,908,000 |
| Noninterest-bearing deposits | 48,410,000 | 45,337,000 | 49,016,000 | 59,199,000 |
| Equity capital | 25,978,000 | 22,129,000 | 21,570,000 | 20,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,020,000 | 5,969,000 | 8,917,000 | 11,844,000 |
| Interest expense | 318,000 | 635,000 | 959,000 | 1,310,000 |
| Net interest income | 2,702,000 | 5,334,000 | 7,958,000 | 10,534,000 |
| Noninterest income | 555,000 | 1,017,000 | 1,532,000 | 1,904,000 |
| Noninterest expense | 2,649,000 | 5,371,000 | 7,874,000 | 10,422,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 488,000 | 883,000 | 1,519,000 | 1,919,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 483,000 | 878,000 | 1,514,000 | 1,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,501,000 | 25,701,000 | 26,191,000 | 26,325,000 |
| Total capital | 28,046,000 | 28,233,000 | 28,691,000 | 28,762,000 |
| Risk-weighted assets | 202,760,000 | 201,808,000 | 199,231,000 | 194,109,000 |