Call reports 2005
STERLING BANK — 2005
What STERLING 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 | 3,455,644,000 | 3,601,928,000 | 3,626,267,000 | 3,742,790,000 |
| Total loans | 2,447,037,000 | 2,583,646,000 | 2,624,861,000 | 2,699,361,000 |
| Allowance for loan losses | 31,595,000 | 32,209,000 | 30,465,000 | 31,230,000 |
| Securities available for sale | 545,702,000 | 564,696,000 | 508,254,000 | 488,045,000 |
| Securities held to maturity | 119,705,000 | 120,655,000 | 114,818,000 | 123,053,000 |
| Trading assets | 13,639,000 | 15,556,000 | 21,019,000 | 28,515,000 |
| Total deposits | 2,512,327,000 | 2,623,463,000 | 2,671,116,000 | 2,861,200,000 |
| Interest-bearing deposits | 1,605,480,000 | 1,676,803,000 | 1,677,251,000 | 1,792,321,000 |
| Noninterest-bearing deposits | 906,847,000 | 946,660,000 | 993,865,000 | 1,068,879,000 |
| Equity capital | 388,529,000 | 399,313,000 | 369,352,000 | 409,686,000 |
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 | 47,226,000 | 98,499,000 | 153,381,000 | 205,583,000 |
| Interest expense | 8,650,000 | 19,722,000 | 32,887,000 | 47,439,000 |
| Net interest income | 38,576,000 | 78,777,000 | 120,494,000 | 158,144,000 |
| Noninterest income | 6,321,000 | 12,531,000 | 19,088,000 | 25,557,000 |
| Noninterest expense | 28,207,000 | 57,643,000 | 85,843,000 | 109,110,000 |
| Provision for loan losses | 3,340,000 | 5,815,000 | 10,165,000 | 13,200,000 |
| Pretax income | 13,435,000 | 27,940,000 | 43,670,000 | 61,487,000 |
| Income tax | 4,298,000 | 8,905,000 | 14,038,000 | 19,203,000 |
| Net income | 9,137,000 | 19,035,000 | 29,632,000 | 42,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 329,809,000 | 337,160,000 | 310,413,000 | 327,804,000 |
| Total capital | 407,432,000 | 418,070,000 | 388,474,000 | 406,443,000 |
| Risk-weighted assets | 2,946,004,000 | 3,095,959,000 | 3,211,222,000 | 3,321,796,000 |
Machine access — free, no API key
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