Call reports 2003
STEARNS BANK ARIZONA NATIONAL ASSOCIATION — 2003
What STEARNS BANK ARIZONA NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 81,632,000 | 80,945,000 | 85,464,000 | 96,984,000 |
| Total loans | 65,706,000 | 69,054,000 | 75,959,000 | 80,611,000 |
| Allowance for loan losses | 1,117,000 | 1,189,000 | 1,535,000 | 1,669,000 |
| Securities available for sale | 7,008,000 | 6,541,000 | 5,189,000 | 6,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,883,000 | 71,353,000 | 72,454,000 | 85,686,000 |
| Interest-bearing deposits | 55,306,000 | 55,046,000 | 54,445,000 | 59,887,000 |
| Noninterest-bearing deposits | 17,577,000 | 16,307,000 | 18,009,000 | 25,799,000 |
| Equity capital | 8,638,000 | 9,491,000 | 10,345,000 | 11,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,610,000 | 3,595,000 | 5,647,000 | 7,759,000 |
| Interest expense | 289,000 | 544,000 | 782,000 | 1,021,000 |
| Net interest income | 1,321,000 | 3,051,000 | 4,865,000 | 6,738,000 |
| Noninterest income | 322,000 | 529,000 | 759,000 | 789,000 |
| Noninterest expense | 745,000 | 1,400,000 | 2,172,000 | 3,026,000 |
| Provision for loan losses | 90,000 | 422,000 | 745,000 | 895,000 |
| Pretax income | 808,000 | 1,758,000 | 2,707,000 | 3,606,000 |
| Income tax | 397,000 | 397,000 | 397,000 | 397,000 |
| Net income | 411,000 | 1,361,000 | 2,310,000 | 3,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,370,000 | 9,321,000 | 10,270,000 | 11,168,000 |
| Total capital | 9,251,000 | 10,218,000 | 11,268,000 | 12,242,000 |
| Risk-weighted assets | 70,212,000 | 71,446,000 | 79,328,000 | 85,327,000 |