Call reports 2010
STEPHENSON NATIONAL BANK AND TRUST, THE — 2010
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 262,697,000 | 267,743,000 | 275,698,000 | 281,550,000 |
| Total loans | 197,087,000 | 198,050,000 | 194,782,000 | 198,733,000 |
| Allowance for loan losses | 2,324,000 | 2,383,000 | 2,480,000 | 2,492,000 |
| Securities available for sale | 45,973,000 | 45,749,000 | 56,594,000 | 55,571,000 |
| Securities held to maturity | 240,000 | 240,000 | 240,000 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,901,000 | 222,476,000 | 227,312,000 | 233,483,000 |
| Interest-bearing deposits | 192,572,000 | 198,432,000 | 201,002,000 | 203,447,000 |
| Noninterest-bearing deposits | 23,329,000 | 24,044,000 | 26,310,000 | 30,036,000 |
| Equity capital | 27,185,000 | 27,800,000 | 28,404,000 | 27,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,367,000 | 6,773,000 | 10,126,000 | 13,468,000 |
| Interest expense | 1,012,000 | 1,980,000 | 2,919,000 | 3,816,000 |
| Net interest income | 2,355,000 | 4,793,000 | 7,207,000 | 9,652,000 |
| Noninterest income | 798,000 | 1,525,000 | 2,557,000 | 3,732,000 |
| Noninterest expense | 2,137,000 | 4,342,000 | 6,597,000 | 8,682,000 |
| Provision for loan losses | 500,000 | 802,000 | 1,104,000 | 1,306,000 |
| Pretax income | 516,000 | 1,174,000 | 1,939,000 | 3,274,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 516,000 | 1,174,000 | 1,939,000 | 3,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,698,000 | 26,063,000 | 26,472,000 | 26,767,000 |
| Total capital | 28,022,000 | 28,446,000 | 28,952,000 | 29,259,000 |
| Risk-weighted assets | 207,004,000 | 206,002,000 | 201,662,000 | 200,789,000 |
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