Call reports 2005
STERLING NATIONAL BANK — 2005
What STERLING NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,808,822,000 | 1,816,956,000 | 1,942,975,000 | 1,963,135,000 |
| Total loans | 938,699,000 | 982,090,000 | 1,087,368,000 | 1,102,572,000 |
| Allowance for loan losses | 15,909,000 | 15,212,000 | 15,349,000 | 15,689,000 |
| Securities available for sale | 211,463,000 | 206,309,000 | 203,266,000 | 193,854,000 |
| Securities held to maturity | 487,451,000 | 511,300,000 | 496,107,000 | 514,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,395,408,000 | 1,382,839,000 | 1,486,596,000 | 1,458,861,000 |
| Interest-bearing deposits | 917,385,000 | 914,602,000 | 936,236,000 | 935,222,000 |
| Noninterest-bearing deposits | 478,023,000 | 468,237,000 | 550,360,000 | 523,639,000 |
| Equity capital | 119,936,000 | 117,568,000 | 123,616,000 | 117,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 25,104,000 | 51,714,000 | 79,732,000 | 108,210,000 |
| Interest expense | 5,020,000 | 11,014,000 | 18,135,000 | 26,044,000 |
| Net interest income | 20,084,000 | 40,700,000 | 61,597,000 | 82,166,000 |
| Noninterest income | 7,652,000 | 16,787,000 | 25,984,000 | 33,566,000 |
| Noninterest expense | 16,779,000 | 34,324,000 | 50,502,000 | 66,313,000 |
| Provision for loan losses | 1,548,000 | 3,104,000 | 4,862,000 | 6,414,000 |
| Pretax income | 9,606,000 | 20,256,000 | 32,414,000 | 43,342,000 |
| Income tax | 3,435,000 | 7,743,000 | 12,641,000 | 16,107,000 |
| Net income | 6,171,000 | 12,513,000 | 19,773,000 | 27,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,433,000 | 117,736,000 | 124,996,000 | 119,910,000 |
| Total capital | 135,102,000 | 131,411,000 | 140,193,000 | 135,307,000 |
| Risk-weighted assets | 1,091,276,000 | 1,092,483,000 | 1,215,597,000 | 1,231,499,000 |
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