Call reports 2012
STEPHENSON NATIONAL BANK AND TRUST, THE — 2012
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 288,690,000 | 290,130,000 | 305,955,000 | 299,739,000 |
| Total loans | 207,061,000 | 207,755,000 | 210,593,000 | 211,708,000 |
| Allowance for loan losses | 3,001,000 | 3,083,000 | 3,185,000 | 3,282,000 |
| Securities available for sale | 57,958,000 | 53,908,000 | 61,949,000 | 59,616,000 |
| Securities held to maturity | 1,060,000 | 1,060,000 | 1,060,000 | 1,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,858,000 | 235,554,000 | 247,437,000 | 245,538,000 |
| Interest-bearing deposits | 202,093,000 | 197,046,000 | 206,483,000 | 208,160,000 |
| Noninterest-bearing deposits | 34,765,000 | 38,508,000 | 40,954,000 | 37,378,000 |
| Equity capital | 30,910,000 | 31,923,000 | 33,046,000 | 32,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,287,000 | 6,519,000 | 9,772,000 | 12,996,000 |
| Interest expense | 703,000 | 1,290,000 | 1,817,000 | 2,319,000 |
| Net interest income | 2,584,000 | 5,229,000 | 7,955,000 | 10,677,000 |
| Noninterest income | 1,093,000 | 2,184,000 | 3,341,000 | 4,590,000 |
| Noninterest expense | 2,597,000 | 5,084,000 | 7,727,000 | 10,108,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 785,000 |
| Pretax income | 975,000 | 2,129,000 | 3,264,000 | 4,384,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 975,000 | 2,129,000 | 3,264,000 | 4,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,147,000 | 29,998,000 | 30,726,000 | 30,110,000 |
| Total capital | 31,788,000 | 32,652,000 | 33,434,000 | 32,813,000 |
| Risk-weighted assets | 210,955,000 | 211,889,000 | 216,169,000 | 215,700,000 |