Call reports 2004
STEUBEN TRUST COMPANY — 2004
What STEUBEN TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 301,624,000 | 290,680,000 | 292,368,000 | 290,853,000 |
| Total loans | 177,972,000 | 176,729,000 | 179,646,000 | 174,874,000 |
| Allowance for loan losses | 2,096,000 | 2,216,000 | 2,181,000 | 2,190,000 |
| Securities available for sale | 88,788,000 | 85,069,000 | 77,728,000 | 79,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,866,000 | 257,657,000 | 258,315,000 | 255,909,000 |
| Interest-bearing deposits | 224,608,000 | 209,956,000 | 209,014,000 | 207,111,000 |
| Noninterest-bearing deposits | 47,258,000 | 47,701,000 | 49,301,000 | 48,798,000 |
| Equity capital | 24,414,000 | 23,667,000 | 24,492,000 | 24,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,619,000 | 7,185,000 | 10,778,000 | 14,428,000 |
| Interest expense | 672,000 | 1,323,000 | 1,963,000 | 2,640,000 |
| Net interest income | 2,947,000 | 5,862,000 | 8,815,000 | 11,788,000 |
| Noninterest income | 654,000 | 1,588,000 | 2,572,000 | 3,535,000 |
| Noninterest expense | 2,791,000 | 5,619,000 | 8,374,000 | 11,233,000 |
| Provision for loan losses | 130,000 | 308,000 | 548,000 | 762,000 |
| Pretax income | 680,000 | 1,523,000 | 2,465,000 | 3,356,000 |
| Income tax | 191,000 | 442,000 | 740,000 | 997,000 |
| Net income | 489,000 | 1,081,000 | 1,725,000 | 2,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,338,000 | 22,914,000 | 23,261,000 | 23,873,000 |
| Total capital | 24,434,000 | 25,130,000 | 25,442,000 | 26,063,000 |
| Risk-weighted assets | 180,531,000 | 179,307,000 | 181,622,000 | 178,857,000 |
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