Call reports 2014
STEPHENSON NATIONAL BANK AND TRUST, THE — 2014
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 314,195,000 | 314,460,000 | 322,765,000 | 437,024,000 |
| Total loans | 227,772,000 | 232,545,000 | 233,224,000 | 318,684,000 |
| Allowance for loan losses | 3,616,000 | 3,732,000 | 3,741,000 | 3,857,000 |
| Securities available for sale | 63,245,000 | 56,634,000 | 55,495,000 | 80,425,000 |
| Securities held to maturity | 1,060,000 | 1,060,000 | 1,060,000 | 1,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,161,000 | 245,844,000 | 251,883,000 | 347,368,000 |
| Interest-bearing deposits | 199,857,000 | 203,364,000 | 212,085,000 | 286,591,000 |
| Noninterest-bearing deposits | 40,304,000 | 42,480,000 | 39,798,000 | 60,777,000 |
| Equity capital | 32,388,000 | 30,160,000 | 30,500,000 | 43,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,266,000 | 6,569,000 | 9,926,000 | 14,137,000 |
| Interest expense | 448,000 | 863,000 | 1,290,000 | 1,803,000 |
| Net interest income | 2,818,000 | 5,706,000 | 8,636,000 | 12,334,000 |
| Noninterest income | 1,170,000 | 2,454,000 | 3,699,000 | 5,001,000 |
| Noninterest expense | 2,798,000 | 5,458,000 | 8,265,000 | 11,669,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 370,000 |
| Pretax income | 1,115,000 | 2,605,000 | 3,905,000 | 5,356,000 |
| Income tax | 5,000 | 14,000 | 23,000 | 55,000 |
| Net income | 1,110,000 | 2,591,000 | 3,882,000 | 5,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,900,000 | 29,641,000 | 30,142,000 | 39,280,000 |
| Total capital | 34,805,000 | 32,593,000 | 33,080,000 | 43,137,000 |
| Risk-weighted assets | 231,658,000 | 235,399,000 | 234,213,000 | 313,393,000 |
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