Call reports 2011
STEPHENSON NATIONAL BANK AND TRUST, THE — 2011
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 278,415,000 | 282,274,000 | 296,231,000 | 291,770,000 |
| Total loans | 203,597,000 | 204,192,000 | 201,452,000 | 205,299,000 |
| Allowance for loan losses | 2,600,000 | 2,853,000 | 2,858,000 | 2,911,000 |
| Securities available for sale | 54,077,000 | 50,566,000 | 52,892,000 | 60,977,000 |
| Securities held to maturity | 240,000 | 1,060,000 | 1,060,000 | 1,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,702,000 | 233,364,000 | 243,009,000 | 239,553,000 |
| Interest-bearing deposits | 205,299,000 | 203,873,000 | 211,835,000 | 207,018,000 |
| Noninterest-bearing deposits | 25,403,000 | 29,491,000 | 31,174,000 | 32,535,000 |
| Equity capital | 28,520,000 | 29,758,000 | 30,370,000 | 30,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,312,000 | 6,635,000 | 10,008,000 | 13,296,000 |
| Interest expense | 848,000 | 1,711,000 | 2,573,000 | 3,387,000 |
| Net interest income | 2,464,000 | 4,924,000 | 7,435,000 | 9,909,000 |
| Noninterest income | 1,000,000 | 2,017,000 | 3,094,000 | 4,092,000 |
| Noninterest expense | 2,515,000 | 4,774,000 | 7,328,000 | 9,687,000 |
| Provision for loan losses | 155,000 | 377,000 | 501,000 | 676,000 |
| Pretax income | 794,000 | 1,728,000 | 2,677,000 | 3,615,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 794,000 | 1,728,000 | 2,677,000 | 3,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,228,000 | 27,905,000 | 28,587,000 | 28,504,000 |
| Total capital | 29,828,000 | 30,496,000 | 31,145,000 | 31,127,000 |
| Risk-weighted assets | 208,320,000 | 207,050,000 | 204,354,000 | 209,539,000 |
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