Call reports 2009
STERLING SAVINGS BANK — 2009
What STERLING SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 12,260,501,000 | 11,786,521,000 | 11,320,279,000 | 10,300,326,000 |
| Total loans | 8,543,927,000 | 8,335,184,000 | 7,927,688,000 | 7,380,159,000 |
| Allowance for loan losses | 203,029,000 | 216,945,000 | 269,450,000 | 335,815,000 |
| Securities available for sale | 2,708,732,000 | 2,524,924,000 | 2,455,164,000 | 2,110,942,000 |
| Securities held to maturity | 154,842,000 | 148,978,000 | 149,518,000 | 1,243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,163,724,000 | 7,979,215,000 | 7,934,255,000 | 7,387,467,000 |
| Interest-bearing deposits | 7,215,022,000 | 7,000,099,000 | 6,912,862,000 | 6,379,603,000 |
| Noninterest-bearing deposits | 948,702,000 | 979,116,000 | 1,021,393,000 | 1,007,864,000 |
| Equity capital | 1,235,356,000 | 1,210,967,000 | 822,036,000 | 488,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 153,699,000 | 301,934,000 | 445,029,000 | 574,573,000 |
| Interest expense | 65,889,000 | 127,455,000 | 184,225,000 | 234,468,000 |
| Net interest income | 87,810,000 | 174,479,000 | 260,804,000 | 340,105,000 |
| Noninterest income | 14,852,000 | 13,394,000 | 25,952,000 | 38,917,000 |
| Noninterest expense | 75,783,000 | 144,401,000 | 449,515,000 | 529,123,000 |
| Provision for loan losses | 59,000,000 | 142,000,000 | 333,000,000 | 667,129,000 |
| Pretax income | -22,100,000 | -87,516,000 | -483,922,000 | -805,009,000 |
| Income tax | -806,000 | -36,738,000 | 22,323,000 | 25,323,000 |
| Net income | -21,294,000 | -50,778,000 | -506,245,000 | -830,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,005,576,000 | 973,097,000 | 781,475,000 | 458,260,000 |
| Total capital | 1,126,402,000 | 1,090,322,000 | 892,162,000 | 561,091,000 |
| Risk-weighted assets | 9,319,700,000 | 9,024,080,000 | 8,442,064,000 | 7,738,650,000 |