Call reports 2015
STERLING BANK — 2015
What STERLING BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 219,246,000 | 221,542,000 | 219,202,000 | 218,991,000 |
| Total loans | 141,917,000 | 146,682,000 | 150,871,000 | 149,120,000 |
| Allowance for loan losses | 1,678,000 | 1,672,000 | 1,672,000 | 1,697,000 |
| Securities available for sale | 6,300,000 | 6,227,000 | 5,791,000 | 5,085,000 |
| Securities held to maturity | 51,753,000 | 51,661,000 | 51,245,000 | 50,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,211,000 | 197,417,000 | 193,841,000 | 197,526,000 |
| Interest-bearing deposits | 168,318,000 | 166,480,000 | 165,999,000 | 169,155,000 |
| Noninterest-bearing deposits | 26,893,000 | 30,937,000 | 27,842,000 | 28,371,000 |
| Equity capital | 19,226,000 | 19,261,000 | 19,467,000 | 18,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,245,000 | 4,532,000 | 6,867,000 | 9,192,000 |
| Interest expense | 319,000 | 637,000 | 956,000 | 1,268,000 |
| Net interest income | 1,926,000 | 3,895,000 | 5,911,000 | 7,924,000 |
| Noninterest income | 290,000 | 557,000 | 816,000 | 1,026,000 |
| Noninterest expense | 1,311,000 | 2,608,000 | 3,893,000 | 5,257,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 905,000 | 1,844,000 | 2,834,000 | 3,693,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 21,000 |
| Net income | 900,000 | 1,834,000 | 2,818,000 | 3,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,117,000 | 19,230,000 | 19,394,000 | 18,609,000 |
| Total capital | 20,795,000 | 20,902,000 | 21,066,000 | 20,306,000 |
| Risk-weighted assets | 155,854,000 | 159,277,000 | 162,470,000 | 161,920,000 |