Call reports 2018
STEPHENSON NATIONAL BANK AND TRUST, THE — 2018
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 502,555,000 | 513,587,000 | 513,808,000 | 520,785,000 |
| Total loans | 340,200,000 | 338,377,000 | 336,994,000 | 331,325,000 |
| Allowance for loan losses | 4,965,000 | 5,107,000 | 5,250,000 | 4,784,000 |
| Securities available for sale | 123,561,000 | 132,099,000 | 134,307,000 | 140,891,000 |
| Securities held to maturity | 960,000 | 960,000 | 710,000 | 710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,002,000 | 421,401,000 | 426,467,000 | 432,810,000 |
| Interest-bearing deposits | 356,124,000 | 337,318,000 | 343,225,000 | 343,944,000 |
| Noninterest-bearing deposits | 69,878,000 | 84,083,000 | 83,242,000 | 88,866,000 |
| Equity capital | 48,277,000 | 48,293,000 | 48,093,000 | 49,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,134,000 | 10,447,000 | 15,768,000 | 21,084,000 |
| Interest expense | 797,000 | 1,796,000 | 2,876,000 | 4,039,000 |
| Net interest income | 4,337,000 | 8,651,000 | 12,892,000 | 17,045,000 |
| Noninterest income | 1,791,000 | 3,586,000 | 5,362,000 | 6,948,000 |
| Noninterest expense | 3,989,000 | 8,306,000 | 12,343,000 | 17,065,000 |
| Provision for loan losses | 250,000 | 400,000 | 550,000 | 700,000 |
| Pretax income | 1,889,000 | 3,537,000 | 5,408,000 | 6,282,000 |
| Income tax | 5,000 | 17,000 | 27,000 | 32,000 |
| Net income | 1,884,000 | 3,520,000 | 5,381,000 | 6,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,459,000 | 49,101,000 | 49,952,000 | 49,143,000 |
| Total capital | 52,981,000 | 53,670,000 | 54,560,000 | 53,662,000 |
| Risk-weighted assets | 361,292,000 | 364,862,000 | 367,992,000 | 361,293,000 |