Call reports 2009
STEPHENSON NATIONAL BANK AND TRUST, THE — 2009
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 257,213,000 | 263,302,000 | 270,828,000 | 270,260,000 |
| Total loans | 189,024,000 | 193,612,000 | 195,848,000 | 197,121,000 |
| Allowance for loan losses | 1,501,000 | 1,722,000 | 1,889,000 | 1,879,000 |
| Securities available for sale | 43,633,000 | 44,651,000 | 46,690,000 | 45,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,163,000 | 215,516,000 | 219,516,000 | 220,700,000 |
| Interest-bearing deposits | 189,110,000 | 191,274,000 | 196,392,000 | 193,995,000 |
| Noninterest-bearing deposits | 23,053,000 | 24,242,000 | 23,124,000 | 26,705,000 |
| Equity capital | 25,067,000 | 25,660,000 | 27,051,000 | 26,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,442,000 | 6,826,000 | 10,294,000 | 13,668,000 |
| Interest expense | 1,220,000 | 2,407,000 | 3,575,000 | 4,683,000 |
| Net interest income | 2,222,000 | 4,419,000 | 6,719,000 | 8,985,000 |
| Noninterest income | 809,000 | 1,738,000 | 2,567,000 | 3,352,000 |
| Noninterest expense | 2,024,000 | 4,214,000 | 6,295,000 | 8,401,000 |
| Provision for loan losses | 221,000 | 454,000 | 869,000 | 1,282,000 |
| Pretax income | 786,000 | 1,496,000 | 2,129,000 | 2,730,000 |
| Income tax | 0 | 5,000 | 10,000 | 15,000 |
| Net income | 786,000 | 1,491,000 | 2,119,000 | 2,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,541,000 | 24,930,000 | 25,256,000 | 25,565,000 |
| Total capital | 26,042,000 | 26,652,000 | 27,145,000 | 27,444,000 |
| Risk-weighted assets | 195,817,000 | 205,585,000 | 209,120,000 | 209,924,000 |
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