Call reports 2004
STEARNS BANK ARIZONA NATIONAL ASSOCIATION — 2004
What STEARNS BANK ARIZONA NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 98,532,000 | 100,456,000 | 109,342,000 | 117,343,000 |
| Total loans | 83,699,000 | 86,946,000 | 97,426,000 | 107,442,000 |
| Allowance for loan losses | 1,819,000 | 1,870,000 | 2,087,000 | 2,742,000 |
| Securities available for sale | 5,649,000 | 4,634,000 | 3,840,000 | 3,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,636,000 | 87,056,000 | 94,906,000 | 100,992,000 |
| Interest-bearing deposits | 60,090,000 | 60,867,000 | 60,082,000 | 69,180,000 |
| Noninterest-bearing deposits | 25,546,000 | 26,189,000 | 34,824,000 | 31,812,000 |
| Equity capital | 12,780,000 | 13,217,000 | 14,184,000 | 14,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,687,000 | 4,850,000 | 7,448,000 | 10,499,000 |
| Interest expense | 243,000 | 482,000 | 768,000 | 1,142,000 |
| Net interest income | 2,444,000 | 4,368,000 | 6,680,000 | 9,357,000 |
| Noninterest income | 62,000 | 357,000 | 758,000 | 996,000 |
| Noninterest expense | 782,000 | 1,605,000 | 2,463,000 | 3,552,000 |
| Provision for loan losses | 150,000 | 350,000 | 850,000 | 1,500,000 |
| Pretax income | 1,574,000 | 2,770,000 | 4,140,000 | 5,315,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,574,000 | 2,770,000 | 4,140,000 | 5,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,741,000 | 13,423,000 | 14,228,000 | 14,653,000 |
| Total capital | 13,897,000 | 14,572,000 | 15,507,000 | 16,057,000 |
| Risk-weighted assets | 91,823,000 | 91,199,000 | 101,536,000 | 110,981,000 |
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