Call reports 2007
STERLING NATIONAL BANK — 2007
What STERLING NATIONAL 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 | 1,840,262,000 | 1,847,868,000 | 1,960,345,000 | 1,987,908,000 |
| Total loans | 1,115,363,000 | 1,163,500,000 | 1,206,293,000 | 1,206,080,000 |
| Allowance for loan losses | 15,806,000 | 15,582,000 | 15,039,000 | 15,085,000 |
| Securities available for sale | 140,796,000 | 142,461,000 | 210,864,000 | 256,382,000 |
| Securities held to maturity | 426,380,000 | 386,407,000 | 393,501,000 | 361,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,558,000,000 | 1,566,668,000 | 1,605,576,000 | 1,548,736,000 |
| Interest-bearing deposits | 1,077,462,000 | 1,033,442,000 | 1,096,708,000 | 1,006,723,000 |
| Noninterest-bearing deposits | 480,538,000 | 533,226,000 | 508,868,000 | 542,013,000 |
| Equity capital | 120,971,000 | 125,403,000 | 121,957,000 | 126,542,000 |
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 | 29,050,000 | 58,910,000 | 90,087,000 | 121,198,000 |
| Interest expense | 10,738,000 | 21,586,000 | 32,843,000 | 44,142,000 |
| Net interest income | 18,312,000 | 37,324,000 | 57,244,000 | 77,056,000 |
| Noninterest income | 9,160,000 | 18,073,000 | 25,833,000 | 35,087,000 |
| Noninterest expense | 19,962,000 | 38,788,000 | 57,252,000 | 75,756,000 |
| Provision for loan losses | 1,250,000 | 2,328,000 | 4,453,000 | 5,853,000 |
| Pretax income | 6,260,000 | 14,281,000 | 21,372,000 | 30,534,000 |
| Income tax | 1,834,000 | 4,364,000 | 6,231,000 | 10,936,000 |
| Net income | 4,364,000 | 9,833,000 | 15,015,000 | 19,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,183,000 | 132,614,000 | 127,758,000 | 132,213,000 |
| Total capital | 142,581,000 | 148,196,000 | 143,013,000 | 147,442,000 |
| Risk-weighted assets | 1,231,422,000 | 1,266,204,000 | 1,378,492,000 | 1,368,837,000 |
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