Call reports 2003
STERLING BANK — 2003
What STERLING BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 145,828,000 | 149,920,000 | 150,209,000 | 149,696,000 |
| Total loans | 98,599,000 | 101,245,000 | 103,025,000 | 102,224,000 |
| Allowance for loan losses | 1,549,000 | 1,578,000 | 1,592,000 | 1,359,000 |
| Securities available for sale | 1,333,000 | 1,025,000 | 1,016,000 | 1,260,000 |
| Securities held to maturity | 38,033,000 | 38,793,000 | 39,924,000 | 37,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,351,000 | 130,718,000 | 128,407,000 | 128,130,000 |
| Interest-bearing deposits | 116,527,000 | 119,465,000 | 115,773,000 | 116,093,000 |
| Noninterest-bearing deposits | 9,824,000 | 11,253,000 | 12,634,000 | 12,037,000 |
| Equity capital | 11,828,000 | 12,510,000 | 12,641,000 | 11,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,079,000 | 4,149,000 | 6,270,000 | 8,372,000 |
| Interest expense | 778,000 | 1,531,000 | 2,212,000 | 2,842,000 |
| Net interest income | 1,301,000 | 2,618,000 | 4,058,000 | 5,530,000 |
| Noninterest income | 168,000 | 369,000 | 575,000 | 726,000 |
| Noninterest expense | 934,000 | 1,838,000 | 2,746,000 | 3,687,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 505,000 | 1,087,000 | 1,795,000 | 2,419,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 14,000 |
| Net income | 501,000 | 1,079,000 | 1,783,000 | 2,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,798,000 | 12,485,000 | 12,625,000 | 11,915,000 |
| Total capital | 13,009,000 | 13,757,000 | 13,917,000 | 13,207,000 |
| Risk-weighted assets | 96,660,000 | 101,452,000 | 103,057,000 | 103,277,000 |
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