Call reports 2004
STERLING NATIONAL BANK — 2004
What STERLING NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,668,905,000 | 1,720,182,000 | 1,726,505,000 | 1,789,095,000 |
| Total loans | 862,677,000 | 897,957,000 | 952,838,000 | 1,005,740,000 |
| Allowance for loan losses | 14,628,000 | 14,774,000 | 15,407,000 | 16,063,000 |
| Securities available for sale | 311,142,000 | 291,998,000 | 274,796,000 | 226,119,000 |
| Securities held to maturity | 383,996,000 | 395,610,000 | 387,683,000 | 446,458,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,243,108,000 | 1,272,502,000 | 1,310,577,000 | 1,356,429,000 |
| Interest-bearing deposits | 802,997,000 | 812,950,000 | 876,345,000 | 830,063,000 |
| Noninterest-bearing deposits | 440,111,000 | 459,552,000 | 434,232,000 | 526,366,000 |
| Equity capital | 117,048,000 | 109,562,000 | 119,211,000 | 116,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 22,590,000 | 45,270,000 | 68,934,000 | 93,589,000 |
| Interest expense | 3,957,000 | 7,876,000 | 12,297,000 | 17,135,000 |
| Net interest income | 18,633,000 | 37,394,000 | 56,637,000 | 76,454,000 |
| Noninterest income | 7,418,000 | 15,508,000 | 24,125,000 | 32,335,000 |
| Noninterest expense | 17,219,000 | 31,678,000 | 46,465,000 | 62,336,000 |
| Provision for loan losses | 1,427,000 | 2,947,000 | 4,486,000 | 6,139,000 |
| Pretax income | 7,941,000 | 18,962,000 | 30,781,000 | 41,570,000 |
| Income tax | 3,212,000 | 6,520,000 | 10,854,000 | 14,657,000 |
| Net income | 4,729,000 | 12,442,000 | 19,927,000 | 26,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,155,000 | 110,830,000 | 118,315,000 | 115,262,000 |
| Total capital | 125,709,000 | 123,908,000 | 132,073,000 | 129,267,000 |
| Risk-weighted assets | 1,002,242,000 | 1,044,513,000 | 1,098,983,000 | 1,118,323,000 |
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