Call reports 2002
STEUBEN TRUST COMPANY — 2002
What STEUBEN TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 285,430,000 | 293,887,000 | 292,581,000 | 284,512,000 |
| Total loans | 174,915,000 | 171,448,000 | 170,889,000 | 172,632,000 |
| Allowance for loan losses | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Securities available for sale | 74,441,000 | 76,120,000 | 76,992,000 | 76,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,715,000 | 262,734,000 | 260,624,000 | 255,269,000 |
| Interest-bearing deposits | 212,839,000 | 220,568,000 | 216,825,000 | 212,572,000 |
| Noninterest-bearing deposits | 41,876,000 | 42,166,000 | 43,799,000 | 42,697,000 |
| Equity capital | 22,977,000 | 23,691,000 | 24,205,000 | 24,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,121,000 | 8,293,000 | 12,363,000 | 16,357,000 |
| Interest expense | 1,672,000 | 3,310,000 | 4,849,000 | 6,205,000 |
| Net interest income | 2,449,000 | 4,983,000 | 7,514,000 | 10,152,000 |
| Noninterest income | 519,000 | 1,039,000 | 1,756,000 | 2,382,000 |
| Noninterest expense | 2,426,000 | 4,757,000 | 7,204,000 | 9,655,000 |
| Provision for loan losses | 123,000 | 297,000 | 536,000 | 822,000 |
| Pretax income | 419,000 | 968,000 | 1,530,000 | 2,221,000 |
| Income tax | 92,000 | 229,000 | 364,000 | 548,000 |
| Net income | 327,000 | 739,000 | 1,166,000 | 1,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,525,000 | 20,864,000 | 20,962,000 | 21,426,000 |
| Total capital | 22,525,000 | 22,864,000 | 22,962,000 | 23,426,000 |
| Risk-weighted assets | 171,832,000 | 170,782,000 | 170,326,000 | 170,551,000 |