Call reports 2023
STEPHENSON NATIONAL BANK AND TRUST, THE — 2023
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 686,894,000 | 661,494,000 | 652,619,000 | 659,777,000 |
| Total loans | 466,474,000 | 476,334,000 | 474,212,000 | 478,537,000 |
| Allowance for loan losses | 6,781,000 | 7,249,000 | 7,139,000 | 6,908,000 |
| Securities available for sale | 123,904,000 | 121,750,000 | 115,226,000 | 116,607,000 |
| Securities held to maturity | 27,448,000 | 27,524,000 | 27,461,000 | 27,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,498,000 | 565,260,000 | 556,197,000 | 552,936,000 |
| Interest-bearing deposits | 482,393,000 | 454,593,000 | 446,429,000 | 447,507,000 |
| Noninterest-bearing deposits | 111,105,000 | 110,667,000 | 109,768,000 | 105,429,000 |
| Equity capital | 44,226,000 | 43,804,000 | 40,984,000 | 46,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,952,000 | 14,147,000 | 21,449,000 | 29,076,000 |
| Interest expense | 2,272,000 | 4,903,000 | 7,747,000 | 10,791,000 |
| Net interest income | 4,680,000 | 9,244,000 | 13,702,000 | 18,285,000 |
| Noninterest income | 1,913,000 | 4,002,000 | 6,043,000 | 8,085,000 |
| Noninterest expense | 5,078,000 | 10,213,000 | 15,334,000 | 20,227,000 |
| Provision for loan losses | -49,000 | 424,000 | 321,000 | 207,000 |
| Pretax income | 1,301,000 | 2,604,000 | 3,964,000 | 3,730,000 |
| Income tax | 138,000 | 241,000 | 256,000 | 0 |
| Net income | 1,163,000 | 2,363,000 | 3,708,000 | 3,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,172,000 | 63,468,000 | 63,776,000 | 62,604,000 |