Call reports 2003
STEUBEN TRUST COMPANY — 2003
What STEUBEN TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 303,792,000 | 296,702,000 | 304,118,000 | 297,544,000 |
| Total loans | 176,581,000 | 176,146,000 | 176,500,000 | 177,636,000 |
| Allowance for loan losses | 2,000,000 | 2,005,000 | 2,020,000 | 2,065,000 |
| Securities available for sale | 84,297,000 | 76,773,000 | 86,180,000 | 88,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,925,000 | 270,756,000 | 273,541,000 | 262,240,000 |
| Interest-bearing deposits | 233,967,000 | 225,013,000 | 226,997,000 | 213,386,000 |
| Noninterest-bearing deposits | 43,958,000 | 45,743,000 | 46,544,000 | 48,854,000 |
| Equity capital | 24,195,000 | 24,361,000 | 24,170,000 | 24,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,849,000 | 7,581,000 | 11,213,000 | 14,878,000 |
| Interest expense | 1,209,000 | 2,252,000 | 3,061,000 | 3,805,000 |
| Net interest income | 2,640,000 | 5,329,000 | 8,152,000 | 11,073,000 |
| Noninterest income | 532,000 | 1,097,000 | 1,736,000 | 2,397,000 |
| Noninterest expense | 2,629,000 | 5,290,000 | 8,081,000 | 10,895,000 |
| Provision for loan losses | 147,000 | 322,000 | 498,000 | 737,000 |
| Pretax income | 505,000 | 923,000 | 1,418,000 | 1,947,000 |
| Income tax | 126,000 | 218,000 | 343,000 | 469,000 |
| Net income | 379,000 | 705,000 | 1,075,000 | 1,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,475,000 | 21,779,000 | 21,868,000 | 22,188,000 |
| Total capital | 23,475,000 | 23,784,000 | 23,888,000 | 24,253,000 |
| Risk-weighted assets | 177,106,000 | 174,104,000 | 178,641,000 | 178,237,000 |