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Sterling Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 55 | 3,282 |
| Assets and Liabilities | ||
| Total Assets: | $101,282,000 | 4,274 |
| Cash and due from depository institutions | $6,935,000 | 3,282 |
| Interest-bearing balances | $99,000 | 4,790 |
| Securities | $10,637,000 | 7,214 |
| Federal funds sold & reverse repurchase agreements | $15,000,000 | 874 |
| Net loans & leases | $64,776,000 | 4,069 |
| Loan loss allowance | $1,072,000 | 3,169 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,045,000 | 5,824 |
| Other real estate owned | $1,780,000 | 3,282 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,109,000 | 5,620 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $101,282,000 | 4,274 |
| Total liabilities | $94,689,000 | 4,130 |
| Total deposits | $94,302,000 | 3,917 |
| Interest-bearing deposits | $60,743,000 | 5,024 |
| Deposits held in domestic offices | $94,302,000 | 3,909 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $387,000 | 6,849 |
| Total equity capital | $6,593,000 | 6,018 |
| Total bank equity capital | $6,593,000 | 6,018 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $4,475,000 | 825 |
| Surplus | $8,167,000 | 1,862 |
| Undivided profits | $-6,049,000 | 10,895 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $781,000 | 3,016 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $432,000 | 5,356 |
| Earning assets | $90,512,000 | 4,391 |
| Long-term assets (5+ years) | $10,034,000 | 4,323 |
| Average Assets, year-to-date | $100,699,000 | 4,127 |
| Average Assets, quarterly | $101,027,500 | 4,233 |
| Volatile liabilities | $5,744,000 | 6,733 |
| Insider loans | $1,650,000 | 2,430 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $5,884,000 | 4,796 |
| Tier 1 (core) risk-based capital | $6,593,000 | 5,894 |
| Tier 2 risk-based capital | $892,860 | 3,259 |
| Total risk weighted assets | $71,249,560 | 3,768 |
| Total unused commitments | $5,884,000 | 4,801 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 63 | 3,016 |
| Assets and Liabilities | ||
| Total Assets: | $103,167,000 | 4,304 |
| Cash and due from depository institutions | $6,127,000 | 3,016 |
| Interest-bearing balances | $197,000 | 4,080 |
| Securities | $7,027,000 | 8,972 |
| Federal funds sold & reverse repurchase agreements | $18,393,000 | 718 |
| Net loans & leases | $66,703,000 | 4,013 |
| Loan loss allowance | $1,245,000 | 2,897 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,155,000 | 5,518 |
| Other real estate owned | $2,230,000 | 3,016 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,532,000 | 4,526 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $103,167,000 | 4,304 |
| Total liabilities | $96,969,000 | 4,131 |
| Total deposits | $96,310,000 | 3,928 |
| Interest-bearing deposits | $63,646,000 | 4,958 |
| Deposits held in domestic offices | $96,310,000 | 3,916 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $659,000 | 4,887 |
| Total equity capital | $6,198,000 | 6,313 |
| Total bank equity capital | $6,198,000 | 6,313 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $4,475,000 | 877 |
| Surplus | $6,865,000 | 2,224 |
| Undivided profits | $-5,142,000 | 11,405 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,634,000 | 1,792 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $525,000 | 4,418 |
| Earning assets | $92,320,000 | 4,400 |
| Long-term assets (5+ years) | $3,446,000 | 6,749 |
| Average Assets, year-to-date | $105,112,600 | 4,075 |
| Average Assets, quarterly | $100,858,500 | 4,331 |
| Volatile liabilities | $3,720,000 | 7,968 |
| Insider loans | $1,730,000 | 2,406 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $8,188,000 | 3,844 |
| Tier 1 (core) risk-based capital | $6,198,000 | 6,237 |
| Tier 2 risk-based capital | $908,600 | 3,258 |
| Total risk weighted assets | $72,351,700 | 3,751 |
| Total unused commitments | $8,188,000 | 3,859 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 65 | 2,981 |
| Assets and Liabilities | ||
| Total Assets: | $120,784,000 | 3,706 |
| Cash and due from depository institutions | $12,270,000 | 2,981 |
| Interest-bearing balances | $198,000 | 4,309 |
| Securities | $7,416,000 | 9,216 |
| Federal funds sold & reverse repurchase agreements | $24,000,000 | 619 |
| Net loans & leases | $67,924,000 | 3,856 |
| Loan loss allowance | $1,491,000 | 2,492 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,214,000 | 5,381 |
| Other real estate owned | $4,639,000 | 2,981 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $3,321,000 | 2,320 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,784,000 | 3,706 |
| Total liabilities | $113,613,000 | 3,562 |
| Total deposits | $112,569,000 | 3,402 |
| Interest-bearing deposits | $74,878,000 | 4,344 |
| Deposits held in domestic offices | $112,569,000 | 3,394 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,044,000 | 3,517 |
| Total equity capital | $7,171,000 | 5,760 |
| Total bank equity capital | $7,171,000 | 5,760 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $4,475,000 | 882 |
| Surplus | $6,865,000 | 2,221 |
| Undivided profits | $-4,169,000 | 11,898 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,445,000 | 1,954 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $617,000 | 3,876 |
| Earning assets | $99,538,000 | 4,100 |
| Long-term assets (5+ years) | $5,779,000 | 5,441 |
| Average Assets, year-to-date | $113,262,800 | 3,790 |
| Average Assets, quarterly | $117,174,500 | 3,779 |
| Volatile liabilities | $3,281,000 | 8,296 |
| Insider loans | $2,225,000 | 1,934 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $9,198,000 | 3,475 |
| Tier 1 (core) risk-based capital | $7,171,000 | 5,618 |
| Tier 2 risk-based capital | $1,004,560 | 2,895 |
| Total risk weighted assets | $79,878,060 | 3,331 |
| Total unused commitments | $9,198,000 | 3,489 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 69 | 2,924 |
| Assets and Liabilities | ||
| Total Assets: | $116,969,000 | 3,781 |
| Cash and due from depository institutions | $6,217,000 | 2,924 |
| Interest-bearing balances | $97,000 | 5,712 |
| Securities | $6,877,000 | 9,975 |
| Federal funds sold & reverse repurchase agreements | $15,742,000 | 631 |
| Net loans & leases | $72,573,000 | 3,556 |
| Loan loss allowance | $1,339,000 | 2,803 |
| Trading account assets | $226,000 | 250 |
| Bank premises and fixed assets | $1,379,000 | 4,928 |
| Other real estate owned | $7,447,000 | 2,924 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $6,508,000 | 1,334 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $116,969,000 | 3,781 |
| Total liabilities | $109,145,000 | 3,696 |
| Total deposits | $107,164,000 | 3,554 |
| Interest-bearing deposits | $76,001,000 | 4,257 |
| Deposits held in domestic offices | $107,164,000 | 3,545 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,981,000 | 1,814 |
| Total equity capital | $7,824,000 | 5,033 |
| Total bank equity capital | $7,824,000 | 5,033 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $4,475,000 | 878 |
| Surplus | $3,215,000 | 3,929 |
| Undivided profits | $134,000 | 11,210 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $568,000 | 3,957 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $565,000 | 3,715 |
| Earning assets | $95,515,000 | 4,212 |
| Long-term assets (5+ years) | $2,939,000 | 7,431 |
| Average Assets, year-to-date | $127,824,000 | 3,400 |
| Average Assets, quarterly | $125,574,000 | 3,515 |
| Volatile liabilities | $3,396,000 | 8,068 |
| Insider loans | $2,112,000 | 1,987 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $10,929,000 | 2,942 |
| Tier 1 (core) risk-based capital | $7,824,000 | 5,100 |
| Tier 2 risk-based capital | $1,094,590 | 2,693 |
| Total risk weighted assets | $87,323,090 | 3,028 |
| Total unused commitments | $10,929,000 | 2,953 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 159 | 1,315 |
| Assets and Liabilities | ||
| Total Assets: | $136,273,000 | 3,356 |
| Cash and due from depository institutions | $7,673,000 | 1,315 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $7,587,000 | 10,052 |
| Federal funds sold & reverse repurchase agreements | $10,670,000 | 1,262 |
| Net loans & leases | $74,292,000 | 3,403 |
| Loan loss allowance | $1,486,000 | 2,650 |
| Trading account assets | $19,338,000 | 98 |
| Bank premises and fixed assets | $1,472,000 | 4,734 |
| Other real estate owned | $8,970,000 | 1,315 |
| Goodwill and other intangibles | $22,000 | 2,691 |
| All other assets | $6,249,000 | 1,323 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $136,273,000 | 3,356 |
| Total liabilities | $126,374,000 | 3,285 |
| Total deposits | $122,544,000 | 3,208 |
| Interest-bearing deposits | $95,208,000 | 3,533 |
| Deposits held in domestic offices | $122,544,000 | 3,198 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $3,830,000 | 1,138 |
| Total equity capital | $9,899,000 | 4,130 |
| Total bank equity capital | $9,899,000 | 4,130 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $4,475,000 | 863 |
| Surplus | $1,885,000 | 5,853 |
| Undivided profits | $3,539,000 | 5,559 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,733,000 | 1,211 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $444,000 | 4,219 |
| Earning assets | $111,887,000 | 3,716 |
| Long-term assets (5+ years) | $1,367,000 | 9,463 |
| Average Assets, year-to-date | $149,812,200 | 2,978 |
| Average Assets, quarterly | $138,330,500 | 3,283 |
| Volatile liabilities | $13,237,000 | 3,312 |
| Insider loans | $2,546,000 | 1,633 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $7,394,000 | 3,819 |
| Tier 1 (core) risk-based capital | $9,899,000 | 4,045 |
| Tier 2 risk-based capital | $1,224,080 | 2,390 |
| Total risk weighted assets | $97,664,180 | 2,665 |
| Total unused commitments | $7,394,000 | 3,838 |
| Derivatives | $6,322,000 | 556 |
| 1992-12-31 | Rank | |
| # of Employees: | 145 | 1,511 |
| Assets and Liabilities | ||
| Total Assets: | $157,211,000 | 2,987 |
| Cash and due from depository institutions | $9,281,000 | 1,511 |
| Interest-bearing balances | $252,000 | 5,864 |
| Securities | $7,555,000 | 10,231 |
| Federal funds sold & reverse repurchase agreements | $7,000,000 | 2,360 |
| Net loans & leases | $102,060,000 | 2,621 |
| Loan loss allowance | $1,811,000 | 2,298 |
| Trading account assets | $14,723,000 | 109 |
| Bank premises and fixed assets | $1,599,000 | 4,407 |
| Other real estate owned | $8,902,000 | 1,511 |
| Goodwill and other intangibles | $241,000 | 1,742 |
| All other assets | $5,850,000 | 1,455 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $157,211,000 | 2,987 |
| Total liabilities | $146,569,000 | 2,937 |
| Total deposits | $145,013,000 | 2,839 |
| Interest-bearing deposits | $109,250,000 | 3,256 |
| Deposits held in domestic offices | $145,013,000 | 2,833 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,556,000 | 2,289 |
| Total equity capital | $10,642,000 | 3,638 |
| Total bank equity capital | $10,642,000 | 3,638 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $4,475,000 | 863 |
| Surplus | $1,385,000 | 6,951 |
| Undivided profits | $4,782,000 | 4,330 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,802,000 | 2,425 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $645,000 | 3,118 |
| Earning assets | $131,590,000 | 3,226 |
| Long-term assets (5+ years) | $2,263,000 | 8,673 |
| Average Assets, year-to-date | $161,336,200 | 2,853 |
| Average Assets, quarterly | $154,923,000 | 3,014 |
| Volatile liabilities | $17,668,000 | 2,619 |
| Insider loans | $5,000 | 9,151 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $13,469,000 | 2,406 |
| Tier 1 (core) risk-based capital | $10,432,000 | 3,659 |
| Tier 2 risk-based capital | $1,562,750 | 1,987 |
| Total risk weighted assets | $124,771,850 | 2,207 |
| Total unused commitments | $13,469,000 | 2,423 |
| Derivatives | $7,426,000 | 485 |