Call reports 2016
STEPHENSON NATIONAL BANK AND TRUST, THE — 2016
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 462,271,000 | 484,123,000 | 495,120,000 | 479,297,000 |
| Total loans | 337,260,000 | 346,592,000 | 346,328,000 | 350,600,000 |
| Allowance for loan losses | 4,636,000 | 4,774,000 | 4,849,000 | 4,722,000 |
| Securities available for sale | 86,517,000 | 88,269,000 | 91,395,000 | 96,002,000 |
| Securities held to maturity | 960,000 | 960,000 | 960,000 | 960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,656,000 | 382,217,000 | 386,456,000 | 392,044,000 |
| Interest-bearing deposits | 312,356,000 | 310,493,000 | 312,299,000 | 320,648,000 |
| Noninterest-bearing deposits | 63,300,000 | 71,724,000 | 74,157,000 | 71,396,000 |
| Equity capital | 47,882,000 | 49,722,000 | 50,525,000 | 47,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,859,000 | 9,742,000 | 14,698,000 | 19,639,000 |
| Interest expense | 503,000 | 1,035,000 | 1,587,000 | 2,117,000 |
| Net interest income | 4,356,000 | 8,707,000 | 13,111,000 | 17,522,000 |
| Noninterest income | 1,360,000 | 2,847,000 | 4,525,000 | 6,292,000 |
| Noninterest expense | 3,835,000 | 7,735,000 | 11,380,000 | 15,347,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 800,000 |
| Pretax income | 1,731,000 | 3,537,000 | 5,839,000 | 7,601,000 |
| Income tax | 5,000 | 15,000 | 25,000 | 35,000 |
| Net income | 1,726,000 | 3,522,000 | 5,814,000 | 7,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,950,000 | 44,815,000 | 46,028,000 | 45,797,000 |
| Total capital | 48,169,000 | 49,128,000 | 50,352,000 | 50,199,000 |
| Risk-weighted assets | 337,067,000 | 344,453,000 | 345,276,000 | 351,872,000 |