Call reports 2007
STEPHENSON NATIONAL BANK AND TRUST, THE — 2007
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 232,275,000 | 233,166,000 | 236,649,000 | 241,038,000 |
| Total loans | 167,487,000 | 170,875,000 | 172,556,000 | 176,290,000 |
| Allowance for loan losses | 1,378,000 | 1,385,000 | 1,386,000 | 1,303,000 |
| Securities available for sale | 43,037,000 | 42,792,000 | 43,947,000 | 44,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,982,000 | 197,710,000 | 198,355,000 | 201,670,000 |
| Interest-bearing deposits | 172,082,000 | 172,248,000 | 173,909,000 | 177,503,000 |
| Noninterest-bearing deposits | 23,900,000 | 25,462,000 | 24,446,000 | 24,167,000 |
| Equity capital | 25,059,000 | 24,636,000 | 24,589,000 | 24,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,748,000 | 7,592,000 | 11,506,000 | 15,399,000 |
| Interest expense | 1,915,000 | 3,854,000 | 5,813,000 | 7,743,000 |
| Net interest income | 1,833,000 | 3,738,000 | 5,693,000 | 7,656,000 |
| Noninterest income | 823,000 | 1,615,000 | 2,509,000 | 3,293,000 |
| Noninterest expense | 1,846,000 | 3,711,000 | 5,632,000 | 7,589,000 |
| Provision for loan losses | 0 | 0 | 11,000 | 35,000 |
| Pretax income | 810,000 | 1,642,000 | 2,559,000 | 3,337,000 |
| Income tax | 134,000 | 269,000 | 404,000 | 559,000 |
| Net income | 676,000 | 1,373,000 | 2,155,000 | 2,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,676,000 | 23,996,000 | 23,229,000 | 23,071,000 |
| Total capital | 25,054,000 | 25,381,000 | 24,615,000 | 24,374,000 |
| Risk-weighted assets | 175,108,000 | 177,377,000 | 179,167,000 | 183,431,000 |
Machine access — free, no API key
Every figure shown here about STEPHENSON NATIONAL BANK AND TRUST, THE — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.