Call reports 2001
STEUBEN TRUST COMPANY — 2001
What STEUBEN TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 274,017,000 | 264,517,000 | 272,008,000 | 271,191,000 |
| Total loans | 186,312,000 | 182,920,000 | 179,227,000 | 176,032,000 |
| Allowance for loan losses | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Securities available for sale | 46,224,000 | 47,044,000 | 53,512,000 | 56,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,680,000 | 231,233,000 | 239,316,000 | 240,340,000 |
| Interest-bearing deposits | 207,217,000 | 195,830,000 | 203,190,000 | 202,436,000 |
| Noninterest-bearing deposits | 33,463,000 | 35,403,000 | 36,126,000 | 37,904,000 |
| Equity capital | 23,588,000 | 23,667,000 | 23,088,000 | 23,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,726,000 | 9,330,000 | 13,759,000 | 18,048,000 |
| Interest expense | 2,283,000 | 4,460,000 | 6,454,000 | 8,294,000 |
| Net interest income | 2,443,000 | 4,870,000 | 7,305,000 | 9,754,000 |
| Noninterest income | 520,000 | 1,036,000 | 1,650,000 | 2,186,000 |
| Noninterest expense | 2,286,000 | 4,512,000 | 6,853,000 | 9,219,000 |
| Provision for loan losses | 191,000 | 292,000 | 465,000 | 347,000 |
| Pretax income | 486,000 | 1,102,000 | 1,637,000 | 2,374,000 |
| Income tax | 110,000 | 267,000 | 398,000 | 600,000 |
| Net income | 376,000 | 835,000 | 1,239,000 | 1,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,286,000 | 20,613,000 | 19,912,000 | 20,432,000 |
| Total capital | 22,286,000 | 22,613,000 | 21,912,000 | 22,432,000 |
| Risk-weighted assets | 180,577,000 | 175,363,000 | 173,803,000 | 170,466,000 |