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


  • The Stephenson National Bank and Trust in Marinette, Wisconsin (WI), MI
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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
  • NoIDNameAddressEstablishedService TypeMap
    4224475Menominee Branch1111 10th Street, Menominee, MI 49858January 03, 1995Full Service Brick and Mortar
  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03571The Stephenson National Bank And Tru1818-1820 Hall Avenue, Marinette, WI 54143October 30, 1874Full Service Brick and Mortar
    2364089Oconto BranchBralick Way, Oconto, WI 54153September 04, 2001Full Service Brick and Mortar
    5424760Messenger Service Branch1820 Hall Avenue, Marinette, WI 54143January 05, 2004Limited Service Messenger

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