Call reports 2006
STERLING SAVINGS BANK — 2006
What STERLING SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 7,839,514,000 | 8,041,997,000 | 8,624,536,000 | 9,550,274,000 |
| Total loans | 5,310,298,000 | 5,560,821,000 | 6,179,743,000 | 6,956,798,000 |
| Allowance for loan losses | 54,479,000 | 58,971,000 | 65,369,000 | 76,814,000 |
| Securities available for sale | 1,889,305,000 | 1,799,541,000 | 1,769,502,000 | 1,710,007,000 |
| Securities held to maturity | 62,854,000 | 80,931,000 | 83,332,000 | 92,807,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,101,175,000 | 5,351,441,000 | 5,689,311,000 | 6,518,237,000 |
| Interest-bearing deposits | 4,412,849,000 | 4,651,736,000 | 4,951,884,000 | 5,681,848,000 |
| Noninterest-bearing deposits | 688,326,000 | 699,705,000 | 737,427,000 | 836,389,000 |
| Equity capital | 615,842,000 | 653,970,000 | 758,202,000 | 944,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 118,016,000 | 247,406,000 | 393,098,000 | 551,197,000 |
| Interest expense | 55,082,000 | 118,156,000 | 190,402,000 | 269,164,000 |
| Net interest income | 62,934,000 | 129,250,000 | 202,696,000 | 282,033,000 |
| Noninterest income | 11,613,000 | 24,528,000 | 37,614,000 | 51,435,000 |
| Noninterest expense | 43,937,000 | 90,239,000 | 136,656,000 | 186,979,000 |
| Provision for loan losses | 4,650,000 | 9,300,000 | 13,950,000 | 18,613,000 |
| Pretax income | 25,960,000 | 54,238,000 | 89,704,000 | 127,876,000 |
| Income tax | 8,669,000 | 17,660,000 | 29,388,000 | 41,518,000 |
| Net income | 17,291,000 | 36,578,000 | 60,316,000 | 86,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 540,447,000 | 589,703,000 | 669,065,000 | 741,258,000 |
| Total capital | 599,146,000 | 652,508,000 | 739,391,000 | 823,765,000 |
| Risk-weighted assets | 5,920,684,000 | 6,242,717,000 | 6,926,515,000 | 7,716,547,000 |