Call reports 2006
STEUBEN TRUST COMPANY — 2006
What STEUBEN TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 311,751,000 | 307,247,000 | 313,194,000 | 309,789,000 |
| Total loans | 186,567,000 | 193,959,000 | 192,751,000 | 193,329,000 |
| Allowance for loan losses | 2,325,000 | 2,430,000 | 2,445,000 | 2,445,000 |
| Securities available for sale | 88,774,000 | 82,801,000 | 84,477,000 | 86,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,105,000 | 268,047,000 | 269,928,000 | 270,939,000 |
| Interest-bearing deposits | 219,798,000 | 213,339,000 | 216,818,000 | 215,180,000 |
| Noninterest-bearing deposits | 53,307,000 | 54,708,000 | 53,110,000 | 55,759,000 |
| Equity capital | 24,650,000 | 25,024,000 | 22,997,000 | 23,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,271,000 | 8,787,000 | 13,337,000 | 17,950,000 |
| Interest expense | 1,061,000 | 2,287,000 | 3,725,000 | 5,247,000 |
| Net interest income | 3,210,000 | 6,500,000 | 9,612,000 | 12,703,000 |
| Noninterest income | 898,000 | 2,008,000 | 3,256,000 | 4,282,000 |
| Noninterest expense | 3,053,000 | 6,102,000 | 9,074,000 | 11,997,000 |
| Provision for loan losses | 39,000 | 173,000 | 276,000 | 430,000 |
| Pretax income | 1,016,000 | 2,241,000 | 3,523,000 | 4,563,000 |
| Income tax | 306,000 | 690,000 | 1,059,000 | 1,317,000 |
| Net income | 710,000 | 1,551,000 | 2,464,000 | 3,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,885,000 | 26,610,000 | 23,874,000 | 24,415,000 |
| Total capital | 28,210,000 | 29,040,000 | 26,319,000 | 26,860,000 |
| Risk-weighted assets | 197,404,000 | 202,609,000 | 201,961,000 | 203,115,000 |