The Stephenson National Bank and Trust in city_name, state_name

The Stephenson National Bank and Trust in Marinette, Wisconsin (WI), MI
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The Stephenson National Bank and Trust routing number info

The Stephenson National Bank and Trust - Overview

General
FDIC Certificate #: 5306
Status: Active
Federal Reserve ID: 598048
Bank Holding Company (Regulatory Top Holder): Stephenson National Bancorp, Inc. (RSSDID: 1245509, Location: Marinette, WI)
Date Established: October 30, 1874
WWW: http://www.snbt.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: Yes)
OTS Docket #: 13399
FDIC's unique #: 3571
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 1818-1820 Hall Avenue, Marinette, WI 54143
County: Marinette
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Appleton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Marinette, WI-MI (#31940)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $291.8 mil
Equity capital: $30.2 mil
Deposits held in domestic offices: $239.6 mil
Return on assets (ROA): 1.26% ($3.7 mil)
Quarterly return on assets: 1.28% ($3.7 mil)
Return on Equity (ROE): 12.31% ($3.7 mil)
Quarterly return on equity: 12.39% ($3.7 mil)
Net income: $3.6 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.26% ($3,676.3 mil)
Quarterly Pretax return on assets: 1.28% ($3,734.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
87Total employees (full-time equivalent)
$291,770Total assets
$10,408Cash and due from depository institutions
$3,553Interest-bearing balances
$62,037Securities
$0Federal funds sold & reverse repurchase agreements
$202,388Net loans & leases
$2,911Loan loss allowance
$0Trading account assets
$6,477Bank premises and fixed assets
$1,028Other real estate owned
$481Goodwill and other intangibles
$291,770Life insurance assets
$8,951All other assets
$261,551Total liabilities and capital
$239,553Total liabilities
$207,018Total deposits
$239,553Interest-bearing deposits
$92Deposits held in domestic offices
15508.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$2,490Subordinated debt
$30,219All other liabilities
$30,219Total equity capital
$30,219Total bank equity capital
$0Perpetual preferred stock
$979Common stock
$979Surplus
$28,261Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,084Income earned, not collected on loans
$151Earning assets
$999Long-term assets (5+ years)
$267,978Average Assets, year-to-date
$52,664Average Assets, quarterly
$286,048Volatile liabilities
$294,001Insider loans
$209,539FHLB advances
$290,677Loans and leases held for sale
$6,047Unused loan commitments
$6,047Tier 1 (core) risk-based capital
$28,504Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$28,793Restructured Loans and leases
$6,223Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$13,296Total interest income
$3,387Total interest expense
$9,909Net interest income
$676Provision for loan and lease losses
$4,092Total noninterest income
$2,260Fiduciary activities
$698Service charges on deposit accounts
$0Trading account gains & fees
$1,134Additional noninterest income
$9,687Total noninterest expense
$5,578Salaries and employee benefits
$1,093Premises and equipment expense
$3,016Additional noninterest expense
$3,638Pre-tax net operating income
-$23Securities gains (losses)
$0Applicable income taxes
$3,615Income before extraordinary items
$0Extraordinary gains - net
$3,615Net income attributable to bank
$0Net charge-offs
$3,615Cash dividends
$257Sale, conversion, retirement of capital stock, net
$2,202Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
1.28%Cost of funding earning assets
3.75%Net interest margin
1.55%Noninterest income to earning assets
3.67%Noninterest expense to earning assets
1.27%Net operating income to assets
1.26%Return on assets (ROA)
1.26%Pretax return on assets
12.31%Return on equity (ROE)
4.81%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
263.04%Credit loss provision to net charge-offs
16.79%Efficiency ratio
67,574Assets per employee
3.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.91%Loss allowance to loans
1.42%Loss allowance to noncurrent loans
71.28%Noncurrent assets plus other real estate owned to assets
1.75%Noncurrent loans to loans
1.99%Net loans and leases to deposits
84.49%Net loans and leases to core deposits
87.28%Equity capital to assets
10.36%Core capital (leverage) ratio
9.81%Tier 1 risk-based capital ratio
13.60%Total risk-based capital ratio
Memoranda
$15Average assets
$286,048Average earning assets
$29,370Average equity
$263,900Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$321,924Managed Assets
1Number of Accounts
$253,671Personal trust and agency accounts
$71,902Employee benefit-defined contribution accounts
$683Employee benefit-defined benefit accounts
$3,016Other retirement accounts
$62,876Corporate trust and agency accounts
$0Investment management agency accounts
$115,194Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
827Number of Accounts
$0Personal trust and agency accounts
$62,876Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$68,253Other retirement accounts
$855Corporate trust and agency accounts
$60,280Other fiduciary accounts
$1,004Fiduciary accounts held in foreign offices

List of branches

1 Michigan Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
4	224475	Menominee Branch	1111 10th Street, Menominee, MI 49858	January 03, 1995	Full Service Brick and Mortar

3 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3571	The Stephenson National Bank And Tru	1818-1820 Hall Avenue, Marinette, WI 54143	October 30, 1874	Full Service Brick and Mortar
2	364089	Oconto Branch	Bralick Way, Oconto, WI 54153	September 04, 2001	Full Service Brick and Mortar
5	424760	Messenger Service Branch	1820 Hall Avenue, Marinette, WI 54143	January 05, 2004	Limited Service Messenger

The Stephenson National Bank and Trust in Marinette, Wisconsin (WI), MI
Overview, Financial Summary, Detailed Financial Reports, Branches

The Stephenson National Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Stephenson National Bank and Trust in Marinette, Wisconsin (WI), MIOverview, Financial Summary, Detailed Financial Reports, Branches

The Stephenson National Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Stephenson National Bank and Trust in Marinette, Wisconsin (WI), MI
Overview, Financial Summary, Detailed Financial Reports, Branches