Call reports 2005
STERLING SAVINGS BANK — 2005
What STERLING SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Total assets | 6,791,912,000 | 7,556,598,000 |
| Total loans | 4,365,940,000 | 4,948,914,000 |
| Allowance for loan losses | 53,671,000 | 55,483,000 |
| Securities available for sale | 1,820,693,000 | 1,982,376,000 |
| Securities held to maturity | 48,502,000 | 50,907,000 |
| Trading assets | 0 | 0 |
| Total deposits | 4,403,753,000 | 4,831,232,000 |
| Interest-bearing deposits | 3,673,262,000 | 4,138,896,000 |
| Noninterest-bearing deposits | 730,491,000 | 692,336,000 |
| Equity capital | 591,682,000 | 598,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Interest income | 288,056,000 | 396,927,000 |
| Interest expense | 115,700,000 | 162,759,000 |
| Net interest income | 172,356,000 | 234,168,000 |
| Noninterest income | 36,991,000 | 50,474,000 |
| Noninterest expense | 121,577,000 | 167,457,000 |
| Provision for loan losses | 10,550,000 | 15,200,000 |
| Pretax income | 77,163,000 | 101,928,000 |
| Income tax | 26,025,000 | 33,587,000 |
| Net income | 51,138,000 | 68,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Tier 1 capital | 493,381,000 | 507,711,000 |
| Total capital | 547,052,000 | 563,194,000 |
| Risk-weighted assets | 4,901,081,000 | 5,531,221,000 |