Call reports 2007
STEUBEN TRUST COMPANY — 2007
What STEUBEN TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 327,650,000 | 319,875,000 | 321,261,000 | 322,401,000 |
| Total loans | 191,691,000 | 189,335,000 | 191,110,000 | 195,827,000 |
| Allowance for loan losses | 2,445,000 | 2,445,000 | 2,390,000 | 2,290,000 |
| Securities available for sale | 96,496,000 | 98,651,000 | 97,990,000 | 97,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,159,000 | 276,158,000 | 278,004,000 | 269,523,000 |
| Interest-bearing deposits | 233,072,000 | 218,438,000 | 223,614,000 | 216,285,000 |
| Noninterest-bearing deposits | 55,087,000 | 57,720,000 | 54,390,000 | 53,238,000 |
| Equity capital | 23,929,000 | 23,704,000 | 24,907,000 | 25,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,591,000 | 9,376,000 | 14,083,000 | 18,789,000 |
| Interest expense | 1,569,000 | 3,207,000 | 4,808,000 | 6,355,000 |
| Net interest income | 3,022,000 | 6,169,000 | 9,275,000 | 12,434,000 |
| Noninterest income | 940,000 | 1,905,000 | 3,074,000 | 4,210,000 |
| Noninterest expense | 2,845,000 | 5,661,000 | 8,507,000 | 11,511,000 |
| Provision for loan losses | 61,000 | 201,000 | 205,000 | 356,000 |
| Pretax income | 1,056,000 | 2,212,000 | 3,637,000 | 4,796,000 |
| Income tax | 301,000 | 635,000 | 1,056,000 | 1,328,000 |
| Net income | 755,000 | 1,577,000 | 2,581,000 | 3,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,789,000 | 25,130,000 | 25,622,000 | 26,248,000 |
| Total capital | 27,234,000 | 27,575,000 | 28,012,000 | 28,538,000 |
| Risk-weighted assets | 205,993,000 | 202,655,000 | 203,907,000 | 205,985,000 |
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