Call reports 2010
STEUBEN TRUST COMPANY — 2010
What STEUBEN TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 349,943,000 | 360,247,000 | 367,530,000 | 340,500,000 |
| Total loans | 210,362,000 | 209,189,000 | 204,186,000 | 210,547,000 |
| Allowance for loan losses | 2,535,000 | 2,595,000 | 2,410,000 | 2,450,000 |
| Securities available for sale | 92,465,000 | 106,195,000 | 112,185,000 | 100,075,000 |
| Securities held to maturity | 2,037,000 | 2,615,000 | 4,460,000 | 4,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,527,000 | 297,351,000 | 310,894,000 | 281,318,000 |
| Interest-bearing deposits | 221,607,000 | 230,142,000 | 245,182,000 | 216,056,000 |
| Noninterest-bearing deposits | 60,920,000 | 67,209,000 | 65,712,000 | 65,262,000 |
| Equity capital | 33,882,000 | 35,131,000 | 36,197,000 | 35,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,153,000 | 8,237,000 | 12,306,000 | 16,332,000 |
| Interest expense | 612,000 | 1,244,000 | 1,839,000 | 2,362,000 |
| Net interest income | 3,541,000 | 6,993,000 | 10,467,000 | 13,970,000 |
| Noninterest income | 1,036,000 | 2,091,000 | 3,157,000 | 4,259,000 |
| Noninterest expense | 3,207,000 | 6,378,000 | 9,466,000 | 12,715,000 |
| Provision for loan losses | 25,000 | 78,000 | 46,000 | 165,000 |
| Pretax income | 1,345,000 | 2,709,000 | 4,203,000 | 5,652,000 |
| Income tax | 366,000 | 732,000 | 1,145,000 | 1,533,000 |
| Net income | 951,000 | 1,949,000 | 3,030,000 | 4,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,690,000 | 34,361,000 | 35,108,000 | 35,727,000 |
| Total capital | 36,225,000 | 36,956,000 | 37,518,000 | 38,177,000 |
| Risk-weighted assets | 217,297,000 | 218,535,000 | 215,740,000 | 220,167,000 |
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