Call reports 2012
STERLING BANK — 2012
What STERLING 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 | 377,986,000 | 407,180,000 | 413,005,000 | 417,114,000 |
| Total loans | 253,202,000 | 264,515,000 | 264,408,000 | 269,310,000 |
| Allowance for loan losses | 3,115,000 | 3,124,000 | 3,030,000 | 3,770,000 |
| Securities available for sale | 15,088,000 | 19,519,000 | 46,802,000 | 14,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,676,000 | 347,282,000 | 349,044,000 | 334,918,000 |
| Interest-bearing deposits | 289,448,000 | 321,818,000 | 318,682,000 | 305,538,000 |
| Noninterest-bearing deposits | 30,228,000 | 25,464,000 | 30,362,000 | 29,380,000 |
| Equity capital | 34,709,000 | 35,962,000 | 38,076,000 | 37,934,000 |
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 | 4,152,000 | 8,509,000 | 13,371,000 | 18,169,000 |
| Interest expense | 1,065,000 | 2,163,000 | 3,193,000 | 4,186,000 |
| Net interest income | 3,087,000 | 6,346,000 | 10,178,000 | 13,983,000 |
| Noninterest income | 256,000 | 441,000 | 791,000 | 1,012,000 |
| Noninterest expense | 1,392,000 | 3,022,000 | 4,891,000 | 8,263,000 |
| Provision for loan losses | 0 | 0 | 0 | 750,000 |
| Pretax income | 2,082,000 | 3,896,000 | 6,209,000 | 6,302,000 |
| Income tax | 636,000 | 1,340,000 | 1,865,000 | 1,668,000 |
| Net income | 1,446,000 | 2,556,000 | 4,344,000 | 4,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,661,000 | 35,770,000 | 37,560,000 | 37,849,000 |
| Total capital | 37,776,000 | 38,894,000 | 40,590,000 | 41,619,000 |
| Risk-weighted assets | 300,015,000 | 314,675,000 | 315,621,000 | 312,855,000 |