Call reports 2025
STEPHENSON NATIONAL BANK AND TRUST, THE — 2025
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 689,819,000 | 686,522,000 | 689,520,000 | 693,380,000 |
| Total loans | 488,568,000 | 500,980,000 | 504,736,000 | 518,420,000 |
| Allowance for loan losses | 6,887,000 | 6,874,000 | 7,013,000 | 7,667,000 |
| Securities available for sale | 126,183,000 | 120,974,000 | 120,221,000 | 138,110,000 |
| Securities held to maturity | 27,337,000 | 25,604,000 | 25,509,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,441,000 | 592,526,000 | 594,550,000 | 589,930,000 |
| Interest-bearing deposits | 482,861,000 | 489,193,000 | 488,350,000 | 483,913,000 |
| Noninterest-bearing deposits | 99,580,000 | 103,333,000 | 106,200,000 | 106,017,000 |
| Equity capital | 56,156,000 | 58,488,000 | 60,951,000 | 60,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,667,000 | 17,611,000 | 27,047,000 | 36,393,000 |
| Interest expense | 3,300,000 | 6,467,000 | 9,559,000 | 12,600,000 |
| Net interest income | 5,367,000 | 11,144,000 | 17,488,000 | 23,793,000 |
| Noninterest income | 2,148,000 | 4,379,000 | 6,686,000 | 8,924,000 |
| Noninterest expense | 5,179,000 | 10,531,000 | 16,099,000 | 21,337,000 |
| Provision for loan losses | 275,000 | 315,000 | 470,000 | 1,148,000 |
| Pretax income | 2,077,000 | 4,710,000 | 7,656,000 | 8,428,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 6,000 |
| Net income | 2,075,000 | 4,707,000 | 7,652,000 | 8,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,067,000 | 67,484,000 | 68,745,000 | 67,861,000 |