Call reports 2006
STEARNS BANK NATIONAL ASSOCIATION — 2006
What STEARNS BANK 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 | 1,166,188,000 | 1,213,918,000 | 1,212,553,000 | 1,241,587,000 |
| Total loans | 1,091,902,000 | 1,135,524,000 | 1,129,973,000 | 1,164,393,000 |
| Allowance for loan losses | 26,045,000 | 27,746,000 | 27,550,000 | 25,703,000 |
| Securities available for sale | 60,793,000 | 59,458,000 | 63,994,000 | 61,802,000 |
| Securities held to maturity | 5,295,000 | 5,307,000 | 5,287,000 | 5,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 876,598,000 | 914,983,000 | 956,775,000 | 946,394,000 |
| Interest-bearing deposits | 811,013,000 | 843,832,000 | 885,171,000 | 860,477,000 |
| Noninterest-bearing deposits | 65,585,000 | 71,151,000 | 71,604,000 | 85,917,000 |
| Equity capital | 153,755,000 | 158,277,000 | 164,952,000 | 170,922,000 |
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 | 27,703,000 | 57,861,000 | 88,659,000 | 121,733,000 |
| Interest expense | 8,834,000 | 19,069,000 | 30,321,000 | 41,558,000 |
| Net interest income | 18,869,000 | 38,792,000 | 58,338,000 | 80,175,000 |
| Noninterest income | 1,568,000 | 3,146,000 | 4,842,000 | 6,366,000 |
| Noninterest expense | 6,338,000 | 12,767,000 | 19,390,000 | 26,458,000 |
| Provision for loan losses | 1,800,000 | 3,750,000 | 5,550,000 | 7,750,000 |
| Pretax income | 12,299,000 | 25,421,000 | 38,240,000 | 52,333,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 12,299,000 | 25,421,000 | 38,240,000 | 52,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,279,000 | 164,400,000 | 168,719,000 | 174,313,000 |
| Total capital | 173,668,000 | 180,572,000 | 184,708,000 | 190,793,000 |
| Risk-weighted assets | 1,220,442,000 | 1,282,183,000 | 1,267,546,000 | 1,309,195,000 |