Call reports 2019
STEPHENSON NATIONAL BANK AND TRUST, THE — 2019
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 532,799,000 | 530,667,000 | 531,193,000 | 530,628,000 |
| Total loans | 338,517,000 | 339,106,000 | 347,755,000 | 355,355,000 |
| Allowance for loan losses | 4,888,000 | 4,783,000 | 4,868,000 | 4,967,000 |
| Securities available for sale | 148,806,000 | 137,637,000 | 133,622,000 | 132,619,000 |
| Securities held to maturity | 710,000 | 710,000 | 140,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,946,000 | 429,921,000 | 428,003,000 | 427,988,000 |
| Interest-bearing deposits | 389,842,000 | 361,019,000 | 358,313,000 | 360,696,000 |
| Noninterest-bearing deposits | 64,104,000 | 68,902,000 | 69,689,000 | 67,292,000 |
| Equity capital | 52,906,000 | 54,935,000 | 56,286,000 | 55,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,440,000 | 11,103,000 | 16,814,000 | 22,398,000 |
| Interest expense | 1,250,000 | 2,548,000 | 3,765,000 | 4,813,000 |
| Net interest income | 4,190,000 | 8,555,000 | 13,049,000 | 17,585,000 |
| Noninterest income | 1,682,000 | 2,951,000 | 4,559,000 | 6,408,000 |
| Noninterest expense | 4,176,000 | 8,598,000 | 12,688,000 | 17,026,000 |
| Provision for loan losses | 150,000 | 250,000 | 350,000 | 600,000 |
| Pretax income | 1,546,000 | 2,639,000 | 4,575,000 | 6,382,000 |
| Income tax | 0 | 6,000 | 16,000 | 39,000 |
| Net income | 1,546,000 | 2,633,000 | 4,559,000 | 6,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,731,000 | 49,835,000 | 50,319,000 | 50,603,000 |
| Total capital | 54,373,000 | 54,492,000 | 55,016,000 | 55,428,000 |
| Risk-weighted assets | 371,143,000 | 372,457,000 | 375,563,000 | 385,851,000 |