Call reports 2008
STEPHENSON NATIONAL BANK AND TRUST, THE — 2008
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 242,427,000 | 240,759,000 | 244,446,000 | 252,611,000 |
| Total loans | 178,101,000 | 176,699,000 | 180,772,000 | 188,283,000 |
| Allowance for loan losses | 1,365,000 | 1,392,000 | 1,383,000 | 1,439,000 |
| Securities available for sale | 42,388,000 | 43,472,000 | 42,292,000 | 40,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,041,000 | 197,966,000 | 203,185,000 | 207,970,000 |
| Interest-bearing deposits | 176,812,000 | 173,905,000 | 179,904,000 | 183,496,000 |
| Noninterest-bearing deposits | 22,229,000 | 24,061,000 | 23,281,000 | 24,474,000 |
| Equity capital | 24,883,000 | 24,128,000 | 24,493,000 | 24,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,896,000 | 7,497,000 | 11,080,000 | 14,732,000 |
| Interest expense | 1,766,000 | 3,340,000 | 4,818,000 | 6,165,000 |
| Net interest income | 2,130,000 | 4,157,000 | 6,262,000 | 8,567,000 |
| Noninterest income | 764,000 | 1,420,000 | 2,203,000 | 2,925,000 |
| Noninterest expense | 1,892,000 | 3,918,000 | 5,805,000 | 7,646,000 |
| Provision for loan losses | 78,000 | 153,000 | 189,000 | 617,000 |
| Pretax income | 935,000 | 1,530,000 | 2,507,000 | 3,265,000 |
| Income tax | 23,000 | 23,000 | 22,000 | -54,000 |
| Net income | 912,000 | 1,507,000 | 2,485,000 | 3,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,036,000 | 23,309,000 | 23,971,000 | 24,184,000 |
| Total capital | 24,401,000 | 24,701,000 | 25,354,000 | 25,623,000 |
| Risk-weighted assets | 184,620,000 | 183,387,000 | 186,335,000 | 193,924,000 |
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