Call reports 2006
STERLING NATIONAL BANK — 2006
What STERLING NATIONAL 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 | 1,855,544,000 | 1,900,276,000 | 1,909,984,000 | 1,851,415,000 |
| Total loans | 1,061,202,000 | 1,107,129,000 | 1,152,245,000 | 1,141,121,000 |
| Allowance for loan losses | 16,117,000 | 16,700,000 | 16,583,000 | 16,288,000 |
| Securities available for sale | 163,068,000 | 153,859,000 | 150,474,000 | 144,245,000 |
| Securities held to maturity | 497,166,000 | 473,568,000 | 450,431,000 | 420,903,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,421,915,000 | 1,428,784,000 | 1,499,770,000 | 1,575,035,000 |
| Interest-bearing deposits | 927,804,000 | 917,992,000 | 965,304,000 | 1,005,604,000 |
| Noninterest-bearing deposits | 494,111,000 | 510,792,000 | 534,466,000 | 569,431,000 |
| Equity capital | 124,012,000 | 118,542,000 | 127,668,000 | 116,073,000 |
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 | 28,686,000 | 59,225,000 | 86,332,000 | 116,581,000 |
| Interest expense | 8,848,000 | 18,708,000 | 28,526,000 | 39,247,000 |
| Net interest income | 19,838,000 | 40,517,000 | 57,806,000 | 77,334,000 |
| Noninterest income | 6,223,000 | 15,111,000 | 24,325,000 | 33,892,000 |
| Noninterest expense | 18,784,000 | 37,604,000 | 53,306,000 | 72,050,000 |
| Provision for loan losses | 1,615,000 | 3,193,000 | 3,253,000 | 4,503,000 |
| Pretax income | 5,202,000 | 14,386,000 | 25,127,000 | 34,230,000 |
| Income tax | -1,856,000 | 1,768,000 | 5,257,000 | 8,707,000 |
| Net income | 7,058,000 | 12,618,000 | 19,873,000 | 25,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,967,000 | 120,686,000 | 128,061,000 | 122,819,000 |
| Total capital | 141,929,000 | 136,483,000 | 144,287,000 | 138,651,000 |
| Risk-weighted assets | 1,195,771,000 | 1,262,829,000 | 1,297,726,000 | 1,266,103,000 |
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