Call reports 2025
STERLING FEDERAL BANK, FEDERAL SAVINGS BANK — 2025
What STERLING FEDERAL BANK, FEDERAL SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 536,668,000 | 520,989,000 | 514,934,000 | 513,696,000 |
| Total loans | 364,970,000 | 361,651,000 | 360,458,000 | 357,853,000 |
| Allowance for loan losses | 6,498,000 | 6,504,000 | 7,031,000 | 7,743,000 |
| Securities available for sale | 103,985,000 | 101,742,000 | 99,394,000 | 97,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,644,000 | 407,860,000 | 400,160,000 | 404,502,000 |
| Interest-bearing deposits | 344,904,000 | 347,109,000 | 334,325,000 | 334,959,000 |
| Noninterest-bearing deposits | 73,740,000 | 60,751,000 | 65,835,000 | 69,543,000 |
| Equity capital | 35,883,000 | 37,082,000 | 38,327,000 | 40,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,358,000 | 12,456,000 | 18,847,000 | 25,573,000 |
| Interest expense | 2,272,000 | 4,465,000 | 6,627,000 | 8,722,000 |
| Net interest income | 4,086,000 | 7,991,000 | 12,220,000 | 16,851,000 |
| Noninterest income | 769,000 | 1,557,000 | 2,315,000 | 3,118,000 |
| Noninterest expense | 3,689,000 | 7,886,000 | 12,261,000 | 16,317,000 |
| Provision for loan losses | 1,019,000 | 1,028,000 | 1,552,000 | 2,203,000 |
| Pretax income | 147,000 | 658,000 | 740,000 | 1,289,000 |
| Income tax | 22,000 | 183,000 | 176,000 | 316,000 |
| Net income | 125,000 | 475,000 | 564,000 | 973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,805,000 | 43,558,000 | 43,930,000 | 44,622,000 |
| Total capital | 47,693,000 | 47,753,000 | 48,133,000 | 49,099,000 |
| Risk-weighted assets | 391,030,000 | 382,257,000 | 382,623,000 | 378,041,000 |