Call reports 2009
STERLING NATIONAL BANK — 2009
What STERLING NATIONAL 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 | 2,100,825,000 | 2,100,411,000 | 2,112,054,000 | 2,127,462,000 |
| Total loans | 1,225,004,000 | 1,212,705,000 | 1,228,435,000 | 1,214,143,000 |
| Allowance for loan losses | 17,158,000 | 18,134,000 | 19,099,000 | 19,872,000 |
| Securities available for sale | 344,696,000 | 343,201,000 | 326,150,000 | 345,548,000 |
| Securities held to maturity | 306,105,000 | 363,995,000 | 395,508,000 | 390,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,417,507,000 | 1,345,001,000 | 1,451,103,000 | 1,611,430,000 |
| Interest-bearing deposits | 930,857,000 | 901,708,000 | 975,790,000 | 1,062,016,000 |
| Noninterest-bearing deposits | 486,650,000 | 443,293,000 | 475,313,000 | 549,414,000 |
| Equity capital | 130,010,000 | 133,699,000 | 139,646,000 | 143,990,000 |
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 | 26,555,000 | 52,705,000 | 79,375,000 | 105,737,000 |
| Interest expense | 4,693,000 | 9,048,000 | 13,269,000 | 17,173,000 |
| Net interest income | 21,862,000 | 43,657,000 | 66,106,000 | 88,564,000 |
| Noninterest income | 7,688,000 | 17,600,000 | 28,018,000 | 38,417,000 |
| Noninterest expense | 20,089,000 | 42,685,000 | 64,407,000 | 85,229,000 |
| Provision for loan losses | 6,200,000 | 13,000,000 | 19,950,000 | 27,900,000 |
| Pretax income | 6,326,000 | 9,511,000 | 14,927,000 | 19,413,000 |
| Income tax | 2,466,000 | 3,650,000 | 5,622,000 | 6,649,000 |
| Net income | 3,860,000 | 5,861,000 | 9,305,000 | 12,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,314,000 | 143,351,000 | 146,933,000 | 150,529,000 |
| Total capital | 159,549,000 | 161,579,000 | 166,184,000 | 169,353,000 |
| Risk-weighted assets | 1,458,192,000 | 1,484,795,000 | 1,542,609,000 | 1,504,730,000 |
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