Call reports 2017
STEPHENSON NATIONAL BANK AND TRUST, THE — 2017
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 483,561,000 | 508,075,000 | 524,745,000 | 494,749,000 |
| Total loans | 348,810,000 | 352,825,000 | 345,218,000 | 340,135,000 |
| Allowance for loan losses | 4,880,000 | 5,004,000 | 5,228,000 | 4,724,000 |
| Securities available for sale | 94,906,000 | 99,080,000 | 107,217,000 | 106,324,000 |
| Securities held to maturity | 960,000 | 960,000 | 960,000 | 960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,049,000 | 424,733,000 | 434,133,000 | 415,514,000 |
| Interest-bearing deposits | 331,137,000 | 350,232,000 | 359,742,000 | 347,228,000 |
| Noninterest-bearing deposits | 68,912,000 | 74,501,000 | 74,391,000 | 68,286,000 |
| Equity capital | 48,543,000 | 50,113,000 | 50,551,000 | 49,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,878,000 | 9,918,000 | 15,102,000 | 20,235,000 |
| Interest expense | 531,000 | 1,127,000 | 1,855,000 | 2,589,000 |
| Net interest income | 4,347,000 | 8,791,000 | 13,247,000 | 17,646,000 |
| Noninterest income | 1,559,000 | 3,183,000 | 4,952,000 | 6,588,000 |
| Noninterest expense | 3,786,000 | 7,813,000 | 11,701,000 | 15,970,000 |
| Provision for loan losses | 150,000 | 300,000 | 550,000 | 1,000,000 |
| Pretax income | 1,970,000 | 3,861,000 | 5,959,000 | 7,280,000 |
| Income tax | 8,000 | 20,000 | 30,000 | 41,000 |
| Net income | 1,962,000 | 3,841,000 | 5,929,000 | 7,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,609,000 | 47,529,000 | 48,215,000 | 47,811,000 |
| Total capital | 51,034,000 | 52,005,000 | 52,774,000 | 52,293,000 |
| Risk-weighted assets | 353,553,000 | 357,531,000 | 364,073,000 | 358,348,000 |