Call reports 2006
STEARNS BANK ARIZONA NATIONAL ASSOCIATION — 2006
What STEARNS BANK ARIZONA NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 218,543,000 | 220,410,000 | 213,243,000 | 218,168,000 |
| Total loans | 174,530,000 | 180,387,000 | 193,016,000 | 184,068,000 |
| Allowance for loan losses | 6,839,000 | 7,846,000 | 9,055,000 | 9,003,000 |
| Securities available for sale | 1,640,000 | 1,404,000 | 1,438,000 | 2,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,226,000 | 196,922,000 | 188,070,000 | 192,258,000 |
| Interest-bearing deposits | 147,779,000 | 149,654,000 | 142,774,000 | 146,776,000 |
| Noninterest-bearing deposits | 49,447,000 | 47,268,000 | 45,296,000 | 45,482,000 |
| Equity capital | 21,018,000 | 23,100,000 | 24,672,000 | 25,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,035,000 | 10,817,000 | 16,372,000 | 21,849,000 |
| Interest expense | 1,337,000 | 3,002,000 | 4,790,000 | 6,602,000 |
| Net interest income | 3,698,000 | 7,815,000 | 11,582,000 | 15,247,000 |
| Noninterest income | 443,000 | 940,000 | 1,462,000 | 1,960,000 |
| Noninterest expense | 1,396,000 | 2,801,000 | 4,151,000 | 5,712,000 |
| Provision for loan losses | 700,000 | 1,700,000 | 2,900,000 | 4,100,000 |
| Pretax income | 2,045,000 | 4,254,000 | 5,993,000 | 7,395,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 2,043,000 | 4,252,000 | 5,991,000 | 7,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,145,000 | 23,355,000 | 24,793,000 | 25,645,000 |
| Total capital | 23,493,000 | 26,075,000 | 27,591,000 | 28,282,000 |
| Risk-weighted assets | 183,339,000 | 212,449,000 | 217,580,000 | 204,803,000 |