Call reports 2013
STEPHENSON NATIONAL BANK AND TRUST, THE — 2013
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 303,746,000 | 307,751,000 | 318,137,000 | 314,713,000 |
| Total loans | 220,635,000 | 229,212,000 | 228,189,000 | 222,998,000 |
| Allowance for loan losses | 3,389,000 | 3,568,000 | 3,630,000 | 3,544,000 |
| Securities available for sale | 59,153,000 | 56,824,000 | 57,236,000 | 62,422,000 |
| Securities held to maturity | 1,060,000 | 1,060,000 | 1,060,000 | 1,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,680,000 | 242,766,000 | 250,347,000 | 242,798,000 |
| Interest-bearing deposits | 207,133,000 | 208,219,000 | 212,141,000 | 205,923,000 |
| Noninterest-bearing deposits | 34,547,000 | 34,547,000 | 38,206,000 | 36,875,000 |
| Equity capital | 32,850,000 | 32,075,000 | 32,496,000 | 31,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,202,000 | 6,474,000 | 9,786,000 | 13,063,000 |
| Interest expense | 456,000 | 913,000 | 1,365,000 | 1,822,000 |
| Net interest income | 2,746,000 | 5,561,000 | 8,421,000 | 11,241,000 |
| Noninterest income | 1,287,000 | 2,577,000 | 3,741,000 | 4,930,000 |
| Noninterest expense | 2,697,000 | 5,226,000 | 7,938,000 | 10,400,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 550,000 |
| Pretax income | 1,278,000 | 2,779,000 | 4,016,000 | 5,170,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,278,000 | 2,679,000 | 3,973,000 | 5,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,895,000 | 31,704,000 | 32,270,000 | 31,596,000 |
| Total capital | 33,691,000 | 34,587,000 | 35,159,000 | 34,458,000 |
| Risk-weighted assets | 223,099,000 | 229,969,000 | 230,328,000 | 228,241,000 |