Call reports 2005
STERLING BANK — 2005
What STERLING BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 154,380,000 | 157,479,000 | 151,787,000 | 154,935,000 |
| Total loans | 104,148,000 | 104,626,000 | 103,485,000 | 103,921,000 |
| Allowance for loan losses | 1,494,000 | 1,391,000 | 1,386,000 | 1,379,000 |
| Securities available for sale | 2,384,000 | 2,654,000 | 2,642,000 | 2,723,000 |
| Securities held to maturity | 41,293,000 | 39,490,000 | 38,534,000 | 35,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,745,000 | 135,185,000 | 125,862,000 | 133,779,000 |
| Interest-bearing deposits | 120,479,000 | 123,847,000 | 114,840,000 | 121,907,000 |
| Noninterest-bearing deposits | 10,266,000 | 11,338,000 | 11,022,000 | 11,872,000 |
| Equity capital | 13,272,000 | 13,411,000 | 13,449,000 | 12,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,102,000 | 4,305,000 | 6,584,000 | 8,818,000 |
| Interest expense | 718,000 | 1,472,000 | 2,285,000 | 3,150,000 |
| Net interest income | 1,384,000 | 2,833,000 | 4,299,000 | 5,668,000 |
| Noninterest income | 211,000 | 416,000 | 658,000 | 866,000 |
| Noninterest expense | 1,038,000 | 2,027,000 | 3,026,000 | 3,998,000 |
| Provision for loan losses | -350,000 | -450,000 | -450,000 | -450,000 |
| Pretax income | 907,000 | 1,685,000 | 2,394,000 | 2,999,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 7,000 |
| Net income | 905,000 | 1,681,000 | 2,388,000 | 2,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,312,000 | 13,428,000 | 13,475,000 | 12,479,000 |
| Total capital | 14,655,000 | 14,778,000 | 14,797,000 | 13,811,000 |
| Risk-weighted assets | 107,254,000 | 107,929,000 | 105,710,000 | 106,484,000 |
Machine access — free, no API key
Every figure shown here about STERLING BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.