Call reports 2015
STERLING STATE BANK — 2015
What STERLING STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 299,324,000 | 297,200,000 | 315,625,000 | 329,760,000 |
| Total loans | 183,399,000 | 182,277,000 | 175,150,000 | 173,080,000 |
| Allowance for loan losses | 3,432,000 | 3,437,000 | 3,438,000 | 3,445,000 |
| Securities available for sale | 91,912,000 | 90,896,000 | 99,490,000 | 108,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,577,000 | 216,843,000 | 229,768,000 | 236,628,000 |
| Interest-bearing deposits | 173,897,000 | 168,281,000 | 175,057,000 | 182,604,000 |
| Noninterest-bearing deposits | 48,680,000 | 48,562,000 | 54,711,000 | 54,024,000 |
| Equity capital | 28,546,000 | 27,193,000 | 28,648,000 | 27,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,261,000 | 6,068,000 | 8,937,000 | 11,363,000 |
| Interest expense | 312,000 | 617,000 | 921,000 | 1,246,000 |
| Net interest income | 2,949,000 | 5,451,000 | 8,016,000 | 10,117,000 |
| Noninterest income | 514,000 | 980,000 | 1,373,000 | 2,069,000 |
| Noninterest expense | 2,606,000 | 5,179,000 | 7,748,000 | 10,334,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 879,000 | 1,274,000 | 1,672,000 | 1,883,000 |
| Income tax | 10,000 | 10,000 | 10,000 | 10,000 |
| Net income | 869,000 | 1,264,000 | 1,662,000 | 1,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,277,000 | 28,283,000 | 28,511,000 | 28,531,000 |
| Total capital | 30,817,000 | 30,764,000 | 30,878,000 | 30,884,000 |
| Risk-weighted assets | 202,334,000 | 197,535,000 | 188,347,000 | 187,159,000 |