Call reports 2012
STERLING NATIONAL BANK — 2012
What STERLING NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,460,391,000 | 2,516,259,000 | 2,664,026,000 | 2,708,084,000 |
| Total loans | 1,460,567,000 | 1,585,852,000 | 1,675,935,000 | 1,760,217,000 |
| Allowance for loan losses | 20,105,000 | 21,135,000 | 22,154,000 | 22,347,000 |
| Securities available for sale | 385,427,000 | 342,578,000 | 293,944,000 | 285,273,000 |
| Securities held to maturity | 415,858,000 | 378,664,000 | 389,779,000 | 386,408,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,011,312,000 | 2,062,538,000 | 2,240,009,000 | 2,274,557,000 |
| Interest-bearing deposits | 1,174,375,000 | 1,257,626,000 | 1,407,514,000 | 1,350,182,000 |
| Noninterest-bearing deposits | 836,937,000 | 804,912,000 | 832,495,000 | 924,375,000 |
| Equity capital | 213,062,000 | 219,363,000 | 228,495,000 | 227,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 25,144,000 | 50,762,000 | 77,227,000 | 104,658,000 |
| Interest expense | 2,279,000 | 4,525,000 | 6,711,000 | 8,845,000 |
| Net interest income | 22,865,000 | 46,237,000 | 70,516,000 | 95,813,000 |
| Noninterest income | 10,040,000 | 20,585,000 | 29,672,000 | 39,963,000 |
| Noninterest expense | 23,144,000 | 45,664,000 | 68,690,000 | 92,256,000 |
| Provision for loan losses | 3,000,000 | 5,750,000 | 7,750,000 | 10,250,000 |
| Pretax income | 7,640,000 | 16,616,000 | 25,238,000 | 35,083,000 |
| Income tax | 2,352,000 | 5,083,000 | 7,824,000 | 10,490,000 |
| Net income | 5,288,000 | 11,533,000 | 17,414,000 | 24,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 219,446,000 | 225,692,000 | 231,231,000 | 238,428,000 |
| Total capital | 240,482,000 | 247,607,000 | 254,465,000 | 261,760,000 |
| Risk-weighted assets | 1,955,559,000 | 2,022,054,000 | 2,054,996,000 | 2,116,365,000 |