Call reports 2004
STERLING BANK — 2004
What STERLING BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q4 |
|---|---|
| Total assets | 30,895,000 |
| Total loans | 22,002,000 |
| Allowance for loan losses | 350,000 |
| Securities available for sale | 0 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 23,615,000 |
| Interest-bearing deposits | 18,977,000 |
| Noninterest-bearing deposits | 4,638,000 |
| Equity capital | 7,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q4 |
|---|---|
| Interest income | 209,000 |
| Interest expense | 12,000 |
| Net interest income | 197,000 |
| Noninterest income | 9,000 |
| Noninterest expense | 1,487,000 |
| Provision for loan losses | 350,000 |
| Pretax income | -1,631,000 |
| Income tax | -616,000 |
| Net income | -1,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q4 |
|---|---|
| Tier 1 capital | 7,260,000 |
| Total capital | 7,551,000 |
| Risk-weighted assets | 23,206,000 |