Call reports 2001
STEARNS BANK NATIONAL ASSOCIATION — 2001
What STEARNS BANK NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 605,208,000 | 598,157,000 | 596,193,000 | 550,452,000 |
| Total loans | 540,523,000 | 522,765,000 | 524,448,000 | 473,641,000 |
| Allowance for loan losses | 10,280,000 | 10,435,000 | 11,167,000 | 12,232,000 |
| Securities available for sale | 51,888,000 | 57,204,000 | 55,298,000 | 60,096,000 |
| Securities held to maturity | 324,000 | 324,000 | 324,000 | 319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,605,000 | 501,090,000 | 478,339,000 | 425,755,000 |
| Interest-bearing deposits | 462,489,000 | 459,879,000 | 436,003,000 | 379,879,000 |
| Noninterest-bearing deposits | 36,116,000 | 41,211,000 | 42,336,000 | 45,876,000 |
| Equity capital | 63,216,000 | 66,695,000 | 69,729,000 | 65,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 15,979,000 | 32,070,000 | 47,378,000 | 61,217,000 |
| Interest expense | 7,187,000 | 13,256,000 | 18,289,000 | 21,973,000 |
| Net interest income | 8,792,000 | 18,814,000 | 29,089,000 | 39,244,000 |
| Noninterest income | 1,043,000 | 2,868,000 | 2,854,000 | 3,145,000 |
| Noninterest expense | 3,600,000 | 7,530,000 | 11,536,000 | 16,030,000 |
| Provision for loan losses | 1,300,000 | 2,575,000 | 4,100,000 | 5,600,000 |
| Pretax income | 4,952,000 | 11,594,000 | 16,545,000 | 21,047,000 |
| Income tax | 1,984,000 | 4,643,000 | 6,628,000 | 8,408,000 |
| Net income | 2,968,000 | 6,951,000 | 9,917,000 | 12,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,774,000 | 66,307,000 | 68,823,000 | 65,045,000 |
| Total capital | 69,453,000 | 72,939,000 | 75,469,000 | 71,173,000 |
| Risk-weighted assets | 530,684,000 | 526,722,000 | 527,186,000 | 484,157,000 |