Call reports 2007
STERLING BANK — 2007
What STERLING BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 158,795,000 | 161,356,000 | 164,710,000 | 165,885,000 |
| Total loans | 116,663,000 | 120,867,000 | 125,391,000 | 126,967,000 |
| Allowance for loan losses | 1,372,000 | 1,376,000 | 1,406,000 | 1,432,000 |
| Securities available for sale | 2,966,000 | 2,725,000 | 2,754,000 | 1,946,000 |
| Securities held to maturity | 31,614,000 | 30,987,000 | 30,361,000 | 29,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,387,000 | 140,030,000 | 143,510,000 | 147,614,000 |
| Interest-bearing deposits | 126,436,000 | 128,550,000 | 130,162,000 | 132,870,000 |
| Noninterest-bearing deposits | 12,951,000 | 11,480,000 | 13,348,000 | 14,744,000 |
| Equity capital | 13,461,000 | 13,368,000 | 13,640,000 | 13,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,638,000 | 5,281,000 | 8,037,000 | 10,812,000 |
| Interest expense | 1,183,000 | 2,390,000 | 3,661,000 | 4,931,000 |
| Net interest income | 1,455,000 | 2,891,000 | 4,376,000 | 5,881,000 |
| Noninterest income | 179,000 | 386,000 | 589,000 | 771,000 |
| Noninterest expense | 1,005,000 | 2,031,000 | 2,999,000 | 4,015,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 629,000 | 1,246,000 | 1,936,000 | 2,577,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 628,000 | 1,243,000 | 1,932,000 | 2,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,503,000 | 13,428,000 | 13,668,000 | 13,054,000 |
| Total capital | 14,875,000 | 14,804,000 | 15,074,000 | 14,486,000 |
| Risk-weighted assets | 116,866,000 | 120,304,000 | 125,117,000 | 126,851,000 |
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