Call reports 2015
STEARNS BANK NATIONAL ASSOCIATION — 2015
What STEARNS BANK NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,847,148,000 | 1,762,751,000 | 1,780,686,000 | 1,808,236,000 |
| Total loans | 1,624,252,000 | 1,654,669,000 | 1,656,287,000 | 1,671,631,000 |
| Allowance for loan losses | 44,161,000 | 49,397,000 | 49,262,000 | 46,364,000 |
| Securities available for sale | 96,883,000 | 73,950,000 | 71,617,000 | 77,665,000 |
| Securities held to maturity | 37,000 | 37,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,474,792,000 | 1,421,245,000 | 1,412,367,000 | 1,442,575,000 |
| Interest-bearing deposits | 1,300,935,000 | 1,229,690,000 | 1,223,480,000 | 1,256,204,000 |
| Noninterest-bearing deposits | 173,857,000 | 191,555,000 | 188,887,000 | 186,371,000 |
| Equity capital | 265,865,000 | 273,486,000 | 291,519,000 | 308,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 31,438,000 | 70,748,000 | 109,115,000 | 149,125,000 |
| Interest expense | 2,645,000 | 5,331,000 | 8,002,000 | 10,734,000 |
| Net interest income | 28,793,000 | 65,417,000 | 101,113,000 | 138,391,000 |
| Noninterest income | 6,287,000 | 14,388,000 | 21,581,000 | 30,244,000 |
| Noninterest expense | 10,270,000 | 21,479,000 | 34,983,000 | 52,246,000 |
| Provision for loan losses | 3,750,000 | 9,750,000 | 9,750,000 | 10,800,000 |
| Pretax income | 21,060,000 | 48,576,000 | 77,961,000 | 105,589,000 |
| Income tax | -9,005,000 | 1,815,000 | 13,187,000 | 23,888,000 |
| Net income | 30,065,000 | 46,761,000 | 64,774,000 | 81,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 264,478,000 | 272,311,000 | 290,341,000 | 307,282,000 |
| Total capital | 285,548,000 | 294,257,000 | 312,575,000 | 330,078,000 |
| Risk-weighted assets | 1,656,079,000 | 1,721,664,000 | 1,744,756,000 | 1,792,264,000 |