Call reports 2005
STEPHENSON NATIONAL BANK AND TRUST, THE — 2005
What STEPHENSON NATIONAL BANK AND TRUST, THE 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 | 209,522,000 | 214,727,000 | 220,396,000 | 221,842,000 |
| Total loans | 157,986,000 | 164,873,000 | 167,553,000 | 166,394,000 |
| Allowance for loan losses | 1,372,000 | 1,409,000 | 1,453,000 | 935,000 |
| Securities available for sale | 36,891,000 | 37,374,000 | 37,463,000 | 37,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,775,000 | 172,025,000 | 176,821,000 | 190,257,000 |
| Interest-bearing deposits | 150,139,000 | 148,091,000 | 151,319,000 | 164,809,000 |
| Noninterest-bearing deposits | 20,636,000 | 23,934,000 | 25,502,000 | 25,448,000 |
| Equity capital | 21,612,000 | 22,301,000 | 22,816,000 | 22,622,000 |
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 | 2,859,000 | 5,929,000 | 9,158,000 | 12,468,000 |
| Interest expense | 926,000 | 1,985,000 | 3,227,000 | 4,587,000 |
| Net interest income | 1,933,000 | 3,944,000 | 5,931,000 | 7,881,000 |
| Noninterest income | 637,000 | 1,203,000 | 1,780,000 | 2,387,000 |
| Noninterest expense | 1,551,000 | 3,165,000 | 4,730,000 | 6,287,000 |
| Provision for loan losses | 0 | 90,000 | 110,000 | 210,000 |
| Pretax income | 1,022,000 | 1,895,000 | 2,874,000 | 3,668,000 |
| Income tax | 359,000 | 662,000 | 1,005,000 | 1,278,000 |
| Net income | 663,000 | 1,233,000 | 1,869,000 | 2,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,567,000 | 22,154,000 | 22,748,000 | 21,173,000 |
| Total capital | 22,939,000 | 23,563,000 | 24,201,000 | 22,108,000 |
| Risk-weighted assets | 161,722,000 | 166,748,000 | 168,313,000 | 169,137,000 |
Machine access — free, no API key
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