Call reports 2024
STEPHENSON NATIONAL BANK AND TRUST, THE — 2024
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 700,929,000 | 672,082,000 | 683,803,000 | 681,150,000 |
| Total loans | 479,084,000 | 474,492,000 | 475,783,000 | 478,245,000 |
| Allowance for loan losses | 6,934,000 | 6,428,000 | 6,706,000 | 6,608,000 |
| Securities available for sale | 113,178,000 | 112,290,000 | 121,092,000 | 120,502,000 |
| Securities held to maturity | 27,455,000 | 27,521,000 | 27,418,000 | 27,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 599,879,000 | 569,007,000 | 570,133,000 | 575,767,000 |
| Interest-bearing deposits | 495,392,000 | 467,782,000 | 468,040,000 | 470,637,000 |
| Noninterest-bearing deposits | 104,487,000 | 101,225,000 | 102,093,000 | 105,130,000 |
| Equity capital | 47,665,000 | 50,262,000 | 55,382,000 | 53,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,207,000 | 17,456,000 | 26,277,000 | 35,059,000 |
| Interest expense | 3,437,000 | 6,927,000 | 10,491,000 | 13,914,000 |
| Net interest income | 4,770,000 | 10,529,000 | 15,786,000 | 21,145,000 |
| Noninterest income | 2,031,000 | 4,266,000 | 6,604,000 | 8,813,000 |
| Noninterest expense | 4,964,000 | 10,097,000 | 15,380,000 | 20,619,000 |
| Provision for loan losses | 26,000 | -756,000 | -476,000 | -565,000 |
| Pretax income | 1,866,000 | 5,733,000 | 6,950,000 | 7,497,000 |
| Income tax | 0 | -20,000 | -20,000 | 20,000 |
| Net income | 1,866,000 | 5,753,000 | 6,970,000 | 7,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,884,000 | 65,831,000 | 65,774,000 | 65,116,000 |