Call reports 2012
STEARNS BANK NATIONAL ASSOCIATION — 2012
What STEARNS BANK NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,290,722,000 | 1,289,929,000 | 1,416,636,000 | 1,389,261,000 |
| Total loans | 992,436,000 | 1,060,022,000 | 1,069,811,000 | 1,077,055,000 |
| Allowance for loan losses | 38,377,000 | 39,170,000 | 39,156,000 | 39,642,000 |
| Securities available for sale | 71,334,000 | 64,813,000 | 83,078,000 | 94,497,000 |
| Securities held to maturity | 3,720,000 | 3,720,000 | 3,632,000 | 3,632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 903,937,000 | 907,318,000 | 1,056,853,000 | 1,088,878,000 |
| Interest-bearing deposits | 765,514,000 | 763,043,000 | 883,053,000 | 868,774,000 |
| Noninterest-bearing deposits | 138,423,000 | 144,275,000 | 173,800,000 | 220,104,000 |
| Equity capital | 246,162,000 | 228,846,000 | 238,749,000 | 227,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 19,970,000 | 42,466,000 | 66,014,000 | 93,721,000 |
| Interest expense | 1,700,000 | 3,449,000 | 5,372,000 | 7,250,000 |
| Net interest income | 18,270,000 | 39,017,000 | 60,642,000 | 86,471,000 |
| Noninterest income | 7,794,000 | 10,041,000 | 15,000,000 | 24,321,000 |
| Noninterest expense | 9,698,000 | 18,765,000 | 28,931,000 | 42,374,000 |
| Provision for loan losses | 2,350,000 | 2,850,000 | 4,350,000 | 9,483,000 |
| Pretax income | 14,016,000 | 27,430,000 | 42,394,000 | 58,969,000 |
| Income tax | 92,000 | 93,000 | 92,000 | 93,000 |
| Net income | 13,924,000 | 27,337,000 | 42,302,000 | 58,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 239,257,000 | 221,940,000 | 231,714,000 | 221,467,000 |
| Total capital | 250,357,000 | 233,956,000 | 244,141,000 | 233,945,000 |
| Risk-weighted assets | 858,757,000 | 931,996,000 | 964,966,000 | 968,045,000 |