Call reports 2005
STEARNS BANK NATIONAL ASSOCIATION — 2005
What STEARNS BANK NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,054,022,000 | 1,102,253,000 | 1,131,362,000 | 1,149,542,000 |
| Total loans | 934,995,000 | 1,007,592,000 | 1,053,881,000 | 1,076,354,000 |
| Allowance for loan losses | 21,985,000 | 23,542,000 | 25,641,000 | 24,275,000 |
| Securities available for sale | 63,976,000 | 64,293,000 | 62,870,000 | 60,369,000 |
| Securities held to maturity | 5,309,000 | 5,316,000 | 5,302,000 | 5,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 811,016,000 | 857,484,000 | 866,590,000 | 873,126,000 |
| Interest-bearing deposits | 736,551,000 | 779,630,000 | 794,526,000 | 806,276,000 |
| Noninterest-bearing deposits | 74,465,000 | 77,854,000 | 72,064,000 | 66,850,000 |
| Equity capital | 114,137,000 | 126,787,000 | 131,705,000 | 141,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 21,378,000 | 44,157,000 | 70,033,000 | 96,815,000 |
| Interest expense | 4,518,000 | 10,278,000 | 17,334,000 | 25,472,000 |
| Net interest income | 16,860,000 | 33,879,000 | 52,699,000 | 71,343,000 |
| Noninterest income | 1,743,000 | 3,456,000 | 4,835,000 | 6,804,000 |
| Noninterest expense | 5,712,000 | 11,623,000 | 17,709,000 | 24,786,000 |
| Provision for loan losses | 1,300,000 | 2,950,000 | 5,150,000 | 7,700,000 |
| Pretax income | 11,591,000 | 22,793,000 | 34,706,000 | 45,692,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,591,000 | 22,793,000 | 34,706,000 | 45,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,878,000 | 129,080,000 | 134,993,000 | 145,979,000 |
| Total capital | 131,279,000 | 143,587,000 | 150,152,000 | 161,228,000 |
| Risk-weighted assets | 1,063,480,000 | 1,151,555,000 | 1,202,264,000 | 1,210,879,000 |