Call reports 2012
STEUBEN TRUST COMPANY — 2012
What STEUBEN TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 405,054,000 | 398,805,000 | 419,368,000 | 419,236,000 |
| Total loans | 218,906,000 | 224,861,000 | 234,951,000 | 243,351,000 |
| Allowance for loan losses | 2,765,000 | 2,785,000 | 2,835,000 | 2,875,000 |
| Securities available for sale | 134,357,000 | 139,064,000 | 131,964,000 | 134,743,000 |
| Securities held to maturity | 3,178,000 | 4,586,000 | 5,346,000 | 6,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,545,000 | 338,706,000 | 353,068,000 | 330,039,000 |
| Interest-bearing deposits | 254,419,000 | 260,730,000 | 259,163,000 | 250,037,000 |
| Noninterest-bearing deposits | 88,126,000 | 77,976,000 | 93,905,000 | 80,002,000 |
| Equity capital | 40,822,000 | 41,383,000 | 42,535,000 | 41,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,906,000 | 7,838,000 | 11,774,000 | 15,725,000 |
| Interest expense | 357,000 | 703,000 | 1,022,000 | 1,281,000 |
| Net interest income | 3,549,000 | 7,135,000 | 10,752,000 | 14,444,000 |
| Noninterest income | 1,071,000 | 2,069,000 | 3,198,000 | 4,338,000 |
| Noninterest expense | 3,195,000 | 6,359,000 | 9,519,000 | 12,636,000 |
| Provision for loan losses | 8,000 | 26,000 | 80,000 | 166,000 |
| Pretax income | 1,417,000 | 2,907,000 | 4,500,000 | 6,129,000 |
| Income tax | 395,000 | 804,000 | 1,256,000 | 1,666,000 |
| Net income | 994,000 | 2,075,000 | 3,216,000 | 4,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,150,000 | 39,482,000 | 40,069,000 | 39,613,000 |
| Total capital | 41,915,000 | 42,267,000 | 42,904,000 | 42,488,000 |
| Risk-weighted assets | 228,120,000 | 233,552,000 | 240,365,000 | 246,709,000 |