Call reports 2020
STEPHENSON NATIONAL BANK AND TRUST, THE — 2020
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 545,386,000 | 610,922,000 | 633,883,000 | 629,638,000 |
| Total loans | 366,852,000 | 407,399,000 | 436,460,000 | 413,306,000 |
| Allowance for loan losses | 5,228,000 | 6,020,000 | 6,669,000 | 6,767,000 |
| Securities available for sale | 135,741,000 | 159,018,000 | 158,686,000 | 174,853,000 |
| Securities held to maturity | 140,000 | 140,000 | 140,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,970,000 | 475,269,000 | 499,191,000 | 506,239,000 |
| Interest-bearing deposits | 376,589,000 | 381,789,000 | 403,016,000 | 407,175,000 |
| Noninterest-bearing deposits | 70,381,000 | 93,480,000 | 96,175,000 | 99,064,000 |
| Equity capital | 58,776,000 | 61,548,000 | 62,413,000 | 61,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,678,000 | 11,420,000 | 17,403,000 | 23,852,000 |
| Interest expense | 960,000 | 1,658,000 | 2,211,000 | 2,693,000 |
| Net interest income | 4,718,000 | 9,762,000 | 15,192,000 | 21,159,000 |
| Noninterest income | 1,821,000 | 3,749,000 | 5,843,000 | 8,142,000 |
| Noninterest expense | 3,981,000 | 8,362,000 | 12,561,000 | 17,611,000 |
| Provision for loan losses | 250,000 | 1,050,000 | 1,750,000 | 2,500,000 |
| Pretax income | 2,457,000 | 4,637,000 | 7,271,000 | 9,674,000 |
| Income tax | 10,000 | 23,000 | 35,000 | 628,000 |
| Net income | 2,447,000 | 4,614,000 | 7,236,000 | 9,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,406,000 | 52,387,000 | 53,343,000 | 53,166,000 |
| Total capital | 56,268,000 | — | — | — |
| Risk-weighted assets | 388,626,000 | — | — | — |