Call reports 2017
STEARNS BANK NATIONAL ASSOCIATION — 2017
What STEARNS BANK NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,889,220,000 | 1,938,665,000 | 1,958,710,000 | 1,988,803,000 |
| Total loans | 1,780,963,000 | 1,817,253,000 | 1,826,567,000 | 1,911,113,000 |
| Allowance for loan losses | 52,995,000 | 54,804,000 | 56,974,000 | 56,546,000 |
| Securities available for sale | 50,131,000 | 45,476,000 | 35,666,000 | 20,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,483,517,000 | 1,503,154,000 | 1,541,637,000 | 1,574,057,000 |
| Interest-bearing deposits | 1,316,567,000 | 1,332,150,000 | 1,354,092,000 | 1,385,424,000 |
| Noninterest-bearing deposits | 166,950,000 | 171,004,000 | 187,545,000 | 188,633,000 |
| Equity capital | 339,650,000 | 354,879,000 | 368,842,000 | 366,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 36,156,000 | 73,565,000 | 110,499,000 | 148,056,000 |
| Interest expense | 3,276,000 | 6,776,000 | 10,823,000 | 15,082,000 |
| Net interest income | 32,880,000 | 66,789,000 | 99,676,000 | 132,974,000 |
| Noninterest income | 16,786,000 | 24,900,000 | 32,190,000 | 34,752,000 |
| Noninterest expense | 18,429,000 | 31,313,000 | 44,369,000 | 64,640,000 |
| Provision for loan losses | 5,000,000 | 10,500,000 | 15,500,000 | 18,500,000 |
| Pretax income | 26,237,000 | 49,876,000 | 71,997,000 | 84,586,000 |
| Income tax | 10,291,000 | 18,686,000 | 26,834,000 | 38,317,000 |
| Net income | 15,946,000 | 31,190,000 | 45,163,000 | 46,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 338,941,000 | 354,228,000 | 368,202,000 | 366,307,000 |
| Total capital | 363,059,000 | 378,916,000 | 392,813,000 | 391,292,000 |
| Risk-weighted assets | 1,891,368,000 | 1,935,249,000 | 1,925,476,000 | 1,955,253,000 |