Call reports 2008
STEUBEN TRUST COMPANY — 2008
What STEUBEN TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 329,805,000 | 323,641,000 | 335,213,000 | 335,775,000 |
| Total loans | 194,335,000 | 195,499,000 | 196,254,000 | 198,680,000 |
| Allowance for loan losses | 2,300,000 | 2,325,000 | 2,325,000 | 2,400,000 |
| Securities available for sale | 96,660,000 | 100,218,000 | 98,613,000 | 111,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,778,000 | 276,544,000 | 281,845,000 | 278,908,000 |
| Interest-bearing deposits | 226,189,000 | 217,343,000 | 225,067,000 | 223,769,000 |
| Noninterest-bearing deposits | 55,589,000 | 59,201,000 | 56,778,000 | 55,139,000 |
| Equity capital | 26,830,000 | 26,059,000 | 26,431,000 | 28,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,626,000 | 9,213,000 | 13,678,000 | 18,171,000 |
| Interest expense | 1,370,000 | 2,458,000 | 3,482,000 | 4,493,000 |
| Net interest income | 3,256,000 | 6,755,000 | 10,196,000 | 13,678,000 |
| Noninterest income | 1,032,000 | 2,187,000 | 3,419,000 | 4,421,000 |
| Noninterest expense | 2,979,000 | 6,069,000 | 8,937,000 | 11,817,000 |
| Provision for loan losses | 81,000 | 292,000 | 421,000 | 680,000 |
| Pretax income | 1,238,000 | 2,591,000 | 4,267,000 | 5,612,000 |
| Income tax | 346,000 | 735,000 | 1,252,000 | 1,572,000 |
| Net income | 892,000 | 1,856,000 | 3,015,000 | 4,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,394,000 | 27,017,000 | 27,905,000 | 28,669,000 |
| Total capital | 28,694,000 | 29,342,000 | 30,230,000 | 31,069,000 |
| Risk-weighted assets | 205,603,000 | 206,070,000 | 207,156,000 | 207,541,000 |