Call reports 2012
STERLING NATIONAL BANK — 2012
What STERLING NATIONAL 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 | 3,201,572,000 | 3,139,256,000 | 4,013,948,000 | 3,785,370,000 |
| Total loans | 1,800,847,000 | 1,856,396,000 | 2,127,020,000 | 2,198,659,000 |
| Allowance for loan losses | 27,787,000 | 27,587,000 | 28,282,000 | 28,114,000 |
| Securities available for sale | 851,558,000 | 710,788,000 | 1,007,306,000 | 987,965,000 |
| Securities held to maturity | 174,824,000 | 171,235,000 | 142,376,000 | 139,875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,388,912,000 | 2,359,942,000 | 3,132,765,000 | 2,935,519,000 |
| Interest-bearing deposits | 1,870,933,000 | 1,842,429,000 | 2,177,670,000 | 2,237,786,000 |
| Noninterest-bearing deposits | 517,979,000 | 517,513,000 | 955,095,000 | 697,733,000 |
| Equity capital | 418,252,000 | 423,771,000 | 467,083,000 | 471,217,000 |
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 | 28,400,000 | 56,725,000 | 86,828,000 | 119,958,000 |
| Interest expense | 4,578,000 | 8,905,000 | 13,846,000 | 19,136,000 |
| Net interest income | 23,822,000 | 47,820,000 | 72,982,000 | 100,822,000 |
| Noninterest income | 3,874,000 | 8,220,000 | 12,759,000 | 18,221,000 |
| Noninterest expense | 20,089,000 | 39,877,000 | 67,386,000 | 88,841,000 |
| Provision for loan losses | 2,850,000 | 5,162,000 | 8,662,000 | 11,612,000 |
| Pretax income | 7,656,000 | 16,306,000 | 18,149,000 | 28,448,000 |
| Income tax | 2,012,000 | 4,408,000 | 4,042,000 | 7,176,000 |
| Net income | 5,644,000 | 11,898,000 | 14,107,000 | 21,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 252,586,000 | 257,621,000 | 290,057,000 | 297,089,000 |
| Total capital | 277,614,000 | 283,033,000 | 318,545,000 | 325,410,000 |
| Risk-weighted assets | 1,999,322,000 | 2,030,626,000 | 2,385,161,000 | 2,419,541,000 |
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