Call reports 2005
STEUBEN TRUST COMPANY — 2005
What STEUBEN TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 307,341,000 | 302,948,000 | 313,744,000 | 300,472,000 |
| Total loans | 174,064,000 | 176,023,000 | 181,692,000 | 183,180,000 |
| Allowance for loan losses | 2,171,000 | 2,130,000 | 2,180,000 | 2,250,000 |
| Securities available for sale | 91,826,000 | 94,965,000 | 89,568,000 | 89,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,733,000 | 261,931,000 | 271,940,000 | 262,074,000 |
| Interest-bearing deposits | 218,629,000 | 211,649,000 | 210,171,000 | 209,384,000 |
| Noninterest-bearing deposits | 49,104,000 | 50,282,000 | 61,769,000 | 52,690,000 |
| Equity capital | 24,120,000 | 25,066,000 | 24,729,000 | 24,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,704,000 | 7,563,000 | 11,545,000 | 15,667,000 |
| Interest expense | 741,000 | 1,529,000 | 2,339,000 | 3,260,000 |
| Net interest income | 2,963,000 | 6,034,000 | 9,206,000 | 12,407,000 |
| Noninterest income | 853,000 | 1,730,000 | 2,731,000 | 3,759,000 |
| Noninterest expense | 2,926,000 | 5,864,000 | 8,721,000 | 11,681,000 |
| Provision for loan losses | 152,000 | 310,000 | 494,000 | 723,000 |
| Pretax income | 738,000 | 1,590,000 | 2,723,000 | 3,763,000 |
| Income tax | 203,000 | 447,000 | 804,000 | 1,088,000 |
| Net income | 535,000 | 1,143,000 | 1,919,000 | 2,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,118,000 | 24,676,000 | 25,049,000 | 25,687,000 |
| Total capital | 26,289,000 | 26,806,000 | 27,229,000 | 27,937,000 |
| Risk-weighted assets | 182,396,000 | 183,967,000 | 191,179,000 | 191,101,000 |