Call reports 2021
STEPHENSON NATIONAL BANK AND TRUST, THE — 2021
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 651,852,000 | 661,872,000 | 668,074,000 | 674,837,000 |
| Total loans | 429,977,000 | 431,712,000 | 419,414,000 | 428,132,000 |
| Allowance for loan losses | 7,164,000 | 7,469,000 | 7,753,000 | 7,548,000 |
| Securities available for sale | 180,330,000 | 193,008,000 | 210,050,000 | 209,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,082,000 | 546,151,000 | 564,656,000 | 552,231,000 |
| Interest-bearing deposits | 435,215,000 | 435,299,000 | 449,560,000 | 443,963,000 |
| Noninterest-bearing deposits | 104,867,000 | 110,852,000 | 115,096,000 | 108,268,000 |
| Equity capital | 60,684,000 | 63,312,000 | 63,473,000 | 60,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,597,000 | 11,493,000 | 17,610,000 | 23,540,000 |
| Interest expense | 407,000 | 789,000 | 1,138,000 | 1,437,000 |
| Net interest income | 5,190,000 | 10,704,000 | 16,472,000 | 22,103,000 |
| Noninterest income | 2,397,000 | 4,640,000 | 7,065,000 | 9,489,000 |
| Noninterest expense | 4,377,000 | 8,912,000 | 13,723,000 | 19,019,000 |
| Provision for loan losses | 400,000 | 700,000 | 1,000,000 | 1,100,000 |
| Pretax income | 2,824,000 | 5,746,000 | 8,828,000 | 11,044,000 |
| Income tax | 353,000 | 528,000 | 803,000 | 982,000 |
| Net income | 2,471,000 | 5,218,000 | 8,025,000 | 10,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,714,000 | 56,867,000 | 59,222,000 | 57,667,000 |