Call reports 2022
STEPHENSON NATIONAL BANK AND TRUST, THE — 2022
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 664,307,000 | 655,249,000 | 656,883,000 | 656,128,000 |
| Total loans | 429,887,000 | 449,223,000 | 458,316,000 | 464,274,000 |
| Allowance for loan losses | 8,201,000 | 8,201,000 | 8,197,000 | 7,889,000 |
| Securities available for sale | 190,878,000 | 169,467,000 | 133,308,000 | 127,929,000 |
| Securities held to maturity | 0 | 0 | 27,460,000 | 27,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 579,986,000 | 565,058,000 | 570,535,000 | 563,030,000 |
| Interest-bearing deposits | 466,030,000 | 446,062,000 | 448,443,000 | 451,112,000 |
| Noninterest-bearing deposits | 113,956,000 | 118,996,000 | 122,092,000 | 111,918,000 |
| Equity capital | 51,130,000 | 44,484,000 | 41,478,000 | 41,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,785,000 | 11,446,000 | 17,625,000 | 24,008,000 |
| Interest expense | 241,000 | 575,000 | 1,604,000 | 3,221,000 |
| Net interest income | 5,544,000 | 10,871,000 | 16,021,000 | 20,787,000 |
| Noninterest income | 2,163,000 | 4,353,000 | 6,418,000 | 8,385,000 |
| Noninterest expense | 4,802,000 | 9,742,000 | 14,847,000 | 19,788,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | -150,000 |
| Pretax income | 2,755,000 | 5,332,000 | 7,442,000 | 9,534,000 |
| Income tax | 183,000 | 375,000 | 568,000 | 523,000 |
| Net income | 2,572,000 | 4,957,000 | 6,874,000 | 9,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,638,000 | 61,409,000 | 62,221,000 | 61,774,000 |
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