The Stephenson National Bank and Trust

The Stephenson National Bank and Trust is headquartered in Marinette and is the 67^th largest bank in the state of Wisconsin. It is also the 2,261^st largest bank in the nation. It was established in 1874 and as of March of 2012, it had grown to 87 employees at 4 locations. The Stephenson National Bank and Trust's money market rates are 14% higher than the national average, and it has a 4-star health rating.

The Stephenson National Bank and Trust Checking Account Rates

The Stephenson National Bank and Trust Savings Account Rates

The Stephenson National Bank and Trust Money Market Rates

The Stephenson National Bank and Trust CD Rates

The Stephenson National Bank and Trust IRA Rates

Data for Q1 2012

Institution Statistics The Stephenson National Bank and Trust FDIC Certificate # 5306 BankRate Report View Year Established 1874 Employees 87 Primary Regulator OCC Assets and Liabilities Assets $288.69 million Loans $204.06 million Deposits $236.86 million Equity Capital $30.91 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $3.25 million Real Estate Owned $1.46 million Historic Data - March 2011 Assets $278.42 million Equity Capital $28.52 million Loan Loss Allowance $2.60 million Unbacked Noncurrent Loans $3.92 million Real Estate Owned $1.04 million Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 1.34% Return on Equity 12.76% Interest Income $3.29 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Stephenson National Bank and Trust had $4.71 million in non-current loans and owned real-estate with $33.91 million in equity and loan loss allowances on hand to cover it. This gives The Stephenson National Bank and Trust a Texas Ratio of 13.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Stephenson National Bank and Trust held steady from 15.36% as of March 31, 2011 to 13.89% as of March 31, 2012, resulting in a positive change of 9.57%.This indicates that the balance sheet and financial strength for The Stephenson National Bank and Trust has held steady in recent periods. Deposit Growth In the past year, The Stephenson National Bank and Trust has increased its total deposits by $6.16 million, resulting in 2.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Stephenson National Bank and Trust has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Stephenson National Bank and Trust has $288.69 million in assets with $33.91 million in equity, resulting in a capitalization level of 11.75%, which is above average.

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