Call reports 2004
STERLING BANK — 2004
What STERLING BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 148,207,000 | 149,106,000 | 149,022,000 | 157,117,000 |
| Total loans | 103,002,000 | 101,255,000 | 101,962,000 | 105,218,000 |
| Allowance for loan losses | 1,431,000 | 1,469,000 | 1,492,000 | 1,488,000 |
| Securities available for sale | 505,000 | 251,000 | 1,816,000 | 1,898,000 |
| Securities held to maturity | 39,241,000 | 37,841,000 | 38,845,000 | 39,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,046,000 | 125,941,000 | 124,989,000 | 134,947,000 |
| Interest-bearing deposits | 112,350,000 | 113,951,000 | 112,907,000 | 119,902,000 |
| Noninterest-bearing deposits | 11,696,000 | 11,990,000 | 12,082,000 | 15,045,000 |
| Equity capital | 12,537,000 | 12,585,000 | 12,520,000 | 12,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,977,000 | 3,903,000 | 5,922,000 | 8,060,000 |
| Interest expense | 596,000 | 1,162,000 | 1,753,000 | 2,444,000 |
| Net interest income | 1,381,000 | 2,741,000 | 4,169,000 | 5,616,000 |
| Noninterest income | 154,000 | 339,000 | 529,000 | 717,000 |
| Noninterest expense | 939,000 | 1,848,000 | 2,798,000 | 3,803,000 |
| Provision for loan losses | 60,000 | 120,000 | 145,000 | 145,000 |
| Pretax income | 619,000 | 1,195,000 | 1,838,000 | 2,468,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 617,000 | 1,191,000 | 1,832,000 | 2,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,532,000 | 12,584,000 | 12,511,000 | 12,407,000 |
| Total capital | 13,793,000 | 13,815,000 | 13,759,000 | 13,763,000 |
| Risk-weighted assets | 100,685,000 | 98,282,000 | 99,605,000 | 108,331,000 |
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