Call reports 2006
STEPHENSON NATIONAL BANK AND TRUST, THE — 2006
What STEPHENSON NATIONAL BANK AND TRUST, THE 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 | 223,301,000 | 228,723,000 | 237,853,000 | 240,376,000 |
| Total loans | 168,253,000 | 168,010,000 | 170,778,000 | 165,243,000 |
| Allowance for loan losses | 1,360,000 | 1,411,000 | 1,413,000 | 1,392,000 |
| Securities available for sale | 37,496,000 | 38,572,000 | 43,388,000 | 42,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,977,000 | 195,706,000 | 202,127,000 | 201,985,000 |
| Interest-bearing deposits | 170,060,000 | 171,563,000 | 178,665,000 | 177,514,000 |
| Noninterest-bearing deposits | 22,917,000 | 24,143,000 | 23,462,000 | 24,471,000 |
| Equity capital | 23,064,000 | 23,440,000 | 24,585,000 | 24,738,000 |
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 | 3,410,000 | 6,933,000 | 10,823,000 | 14,726,000 |
| Interest expense | 1,454,000 | 3,040,000 | 4,815,000 | 6,754,000 |
| Net interest income | 1,956,000 | 3,893,000 | 6,008,000 | 7,972,000 |
| Noninterest income | 684,000 | 1,384,000 | 2,132,000 | 2,934,000 |
| Noninterest expense | 1,731,000 | 3,442,000 | 5,190,000 | 6,979,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 809,000 | 1,692,000 | 2,807,000 | 3,784,000 |
| Income tax | 269,000 | 562,000 | 946,000 | 1,273,000 |
| Net income | 540,000 | 1,130,000 | 1,861,000 | 2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,704,000 | 22,365,000 | 23,155,000 | 23,325,000 |
| Total capital | 23,064,000 | 23,776,000 | 24,568,000 | 24,717,000 |
| Risk-weighted assets | 170,424,000 | 173,598,000 | 176,798,000 | 174,020,000 |
Machine access — free, no API key
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