Call reports 2015
STEPHENSON NATIONAL BANK AND TRUST, THE — 2015
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 444,025,000 | 452,646,000 | 456,674,000 | 465,176,000 |
| Total loans | 328,003,000 | 347,530,000 | 346,754,000 | 341,405,000 |
| Allowance for loan losses | 3,997,000 | 4,134,000 | 4,382,000 | 4,492,000 |
| Securities available for sale | 80,404,000 | 70,660,000 | 72,689,000 | 80,247,000 |
| Securities held to maturity | 960,000 | 960,000 | 960,000 | 960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,658,000 | 350,459,000 | 355,780,000 | 369,996,000 |
| Interest-bearing deposits | 282,379,000 | 281,262,000 | 284,824,000 | 298,990,000 |
| Noninterest-bearing deposits | 66,279,000 | 69,197,000 | 70,956,000 | 71,006,000 |
| Equity capital | 45,131,000 | 45,480,000 | 46,773,000 | 45,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,572,000 | 9,301,000 | 14,164,000 | 19,036,000 |
| Interest expense | 521,000 | 995,000 | 1,469,000 | 1,964,000 |
| Net interest income | 4,051,000 | 8,306,000 | 12,695,000 | 17,072,000 |
| Noninterest income | 1,444,000 | 2,963,000 | 4,370,000 | 5,806,000 |
| Noninterest expense | 3,788,000 | 7,415,000 | 11,351,000 | 15,003,000 |
| Provision for loan losses | 150,000 | 300,000 | 550,000 | 950,000 |
| Pretax income | 1,557,000 | 3,699,000 | 5,309,000 | 7,038,000 |
| Income tax | 6,000 | 13,000 | 20,000 | 34,000 |
| Net income | 1,551,000 | 3,686,000 | 5,289,000 | 7,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,487,000 | 42,965,000 | 43,453,000 | 43,260,000 |
| Total capital | 45,484,000 | 47,099,000 | 47,760,000 | 47,547,000 |
| Risk-weighted assets | 335,585,000 | 349,866,000 | 344,454,000 | 342,721,000 |