Call reports 2007
STERLING SAVINGS BANK — 2007
What STERLING SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 11,110,046,000 | 11,155,948,000 | 11,390,892,000 | 11,744,356,000 |
| Total loans | 8,279,769,000 | 8,391,373,000 | 8,570,428,000 | 8,728,013,000 |
| Allowance for loan losses | 92,710,000 | 98,432,000 | 100,778,000 | 109,641,000 |
| Securities available for sale | 1,657,322,000 | 1,577,696,000 | 1,669,835,000 | 1,827,093,000 |
| Securities held to maturity | 100,895,000 | 108,175,000 | 115,263,000 | 132,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,370,100,000 | 7,366,605,000 | 7,460,903,000 | 7,362,553,000 |
| Interest-bearing deposits | 6,424,781,000 | 6,427,220,000 | 6,531,471,000 | 6,452,728,000 |
| Noninterest-bearing deposits | 945,319,000 | 939,385,000 | 929,432,000 | 909,825,000 |
| Equity capital | 1,291,686,000 | 1,330,710,000 | 1,365,049,000 | 1,391,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 173,747,000 | 365,679,000 | 562,048,000 | 751,380,000 |
| Interest expense | 87,251,000 | 184,201,000 | 281,838,000 | 378,858,000 |
| Net interest income | 86,496,000 | 181,478,000 | 280,210,000 | 372,522,000 |
| Noninterest income | 15,786,000 | 32,783,000 | 50,328,000 | 70,952,000 |
| Noninterest expense | 57,769,000 | 119,543,000 | 186,257,000 | 254,856,000 |
| Provision for loan losses | 4,150,000 | 8,050,000 | 11,825,000 | 24,705,000 |
| Pretax income | 40,363,000 | 86,666,000 | 132,454,000 | 163,918,000 |
| Income tax | 13,542,000 | 28,883,000 | 44,418,000 | 54,456,000 |
| Net income | 26,821,000 | 57,783,000 | 88,036,000 | 109,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 876,220,000 | 899,806,000 | 925,461,000 | 938,669,000 |
| Total capital | 974,859,000 | 1,004,168,000 | 1,032,375,000 | 1,054,449,000 |
| Risk-weighted assets | 9,047,172,000 | 9,191,007,000 | 9,411,580,000 | 9,568,664,000 |