Call reports 2009
STEUBEN TRUST COMPANY — 2009
What STEUBEN TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 356,970,000 | 353,430,000 | 354,833,000 | 338,546,000 |
| Total loans | 206,005,000 | 209,697,000 | 208,902,000 | 211,294,000 |
| Allowance for loan losses | 2,400,000 | 2,440,000 | 2,450,000 | 2,535,000 |
| Securities available for sale | 113,678,000 | 108,787,000 | 103,794,000 | 96,822,000 |
| Securities held to maturity | 0 | 0 | 1,061,000 | 1,478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,965,000 | 298,290,000 | 293,099,000 | 268,482,000 |
| Interest-bearing deposits | 245,710,000 | 238,244,000 | 234,949,000 | 210,115,000 |
| Noninterest-bearing deposits | 56,255,000 | 60,046,000 | 58,150,000 | 58,367,000 |
| Equity capital | 30,583,000 | 31,016,000 | 33,023,000 | 33,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,436,000 | 8,862,000 | 13,216,000 | 17,575,000 |
| Interest expense | 847,000 | 1,616,000 | 2,295,000 | 2,931,000 |
| Net interest income | 3,589,000 | 7,246,000 | 10,921,000 | 14,644,000 |
| Noninterest income | 995,000 | 2,124,000 | 3,211,000 | 4,287,000 |
| Noninterest expense | 3,259,000 | 6,613,000 | 9,729,000 | 12,787,000 |
| Provision for loan losses | 68,000 | 211,000 | 329,000 | 528,000 |
| Pretax income | 1,257,000 | 2,546,000 | 4,175,000 | 5,747,000 |
| Income tax | 330,000 | 656,000 | 1,124,000 | 1,542,000 |
| Net income | 899,000 | 1,862,000 | 3,023,000 | 4,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,882,000 | 31,511,000 | 32,415,000 | 33,053,000 |
| Total capital | 33,282,000 | 33,951,000 | 34,865,000 | 35,588,000 |
| Risk-weighted assets | 214,359,000 | 218,230,000 | 216,124,000 | 218,042,000 |