Call reports 2012
STERLING BANK — 2012
What STERLING BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 196,406,000 | 194,440,000 | 198,111,000 | 206,914,000 |
| Total loans | 120,530,000 | 126,494,000 | 131,195,000 | 134,268,000 |
| Allowance for loan losses | 1,655,000 | 1,655,000 | 1,670,000 | 1,685,000 |
| Securities available for sale | 13,410,000 | 13,286,000 | 12,153,000 | 11,337,000 |
| Securities held to maturity | 40,958,000 | 43,970,000 | 44,140,000 | 44,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,095,000 | 172,787,000 | 175,097,000 | 185,061,000 |
| Interest-bearing deposits | 148,895,000 | 147,696,000 | 151,707,000 | 158,951,000 |
| Noninterest-bearing deposits | 26,200,000 | 25,091,000 | 23,390,000 | 26,110,000 |
| Equity capital | 16,869,000 | 17,149,000 | 17,655,000 | 17,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,181,000 | 4,391,000 | 6,689,000 | 9,018,000 |
| Interest expense | 405,000 | 804,000 | 1,201,000 | 1,591,000 |
| Net interest income | 1,776,000 | 3,587,000 | 5,488,000 | 7,427,000 |
| Noninterest income | 270,000 | 522,000 | 875,000 | 1,213,000 |
| Noninterest expense | 1,157,000 | 2,299,000 | 3,433,000 | 4,692,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 889,000 | 1,810,000 | 2,915,000 | 3,918,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 21,000 |
| Net income | 884,000 | 1,800,000 | 2,899,000 | 3,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,648,000 | 16,913,000 | 17,362,000 | 17,071,000 |
| Total capital | 18,303,000 | 18,568,000 | 19,032,000 | 18,756,000 |
| Risk-weighted assets | 135,895,000 | 142,437,000 | 146,478,000 | 150,137,000 |