Call reports 2002
STERLING BANK — 2002
What STERLING BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 134,865,000 | 135,119,000 | 138,781,000 | 143,204,000 |
| Total loans | 90,308,000 | 90,559,000 | 94,758,000 | 97,389,000 |
| Allowance for loan losses | 1,387,000 | 1,441,000 | 1,480,000 | 1,509,000 |
| Securities available for sale | 2,739,000 | 4,820,000 | 3,733,000 | 2,188,000 |
| Securities held to maturity | 31,293,000 | 33,137,000 | 34,675,000 | 36,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,330,000 | 117,065,000 | 120,463,000 | 124,105,000 |
| Interest-bearing deposits | 109,147,000 | 109,089,000 | 111,429,000 | 115,062,000 |
| Noninterest-bearing deposits | 8,183,000 | 7,976,000 | 9,034,000 | 9,043,000 |
| Equity capital | 10,789,000 | 11,486,000 | 11,377,000 | 11,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,217,000 | 4,419,000 | 6,645,000 | 8,861,000 |
| Interest expense | 919,000 | 1,806,000 | 2,683,000 | 3,538,000 |
| Net interest income | 1,298,000 | 2,613,000 | 3,962,000 | 5,323,000 |
| Noninterest income | 133,000 | 280,000 | 449,000 | 628,000 |
| Noninterest expense | 770,000 | 1,564,000 | 2,414,000 | 3,324,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 631,000 | 1,269,000 | 1,907,000 | 2,507,000 |
| Income tax | 10,000 | -10,000 | 2,000 | 3,000 |
| Net income | 621,000 | 1,279,000 | 1,905,000 | 2,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,800,000 | 11,457,000 | 11,333,000 | 11,297,000 |
| Total capital | 11,936,000 | 12,619,000 | 12,473,000 | 12,485,000 |
| Risk-weighted assets | 90,605,000 | 92,647,000 | 90,841,000 | 94,730,000 |
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