Call reports 2013
STEUBEN TRUST COMPANY — 2013
What STEUBEN TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 430,699,000 | 423,806,000 | 428,985,000 | 439,026,000 |
| Total loans | 236,440,000 | 236,695,000 | 237,270,000 | 242,373,000 |
| Allowance for loan losses | 2,875,000 | 2,875,000 | 2,780,000 | 2,860,000 |
| Securities available for sale | 144,907,000 | 145,546,000 | 146,190,000 | 154,452,000 |
| Securities held to maturity | 5,931,000 | 7,597,000 | 7,277,000 | 7,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,920,000 | 352,074,000 | 356,096,000 | 355,217,000 |
| Interest-bearing deposits | 273,993,000 | 267,071,000 | 270,456,000 | 269,638,000 |
| Noninterest-bearing deposits | 82,927,000 | 85,003,000 | 85,640,000 | 85,579,000 |
| Equity capital | 42,665,000 | 40,884,000 | 41,990,000 | 41,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,947,000 | 7,856,000 | 11,748,000 | 15,704,000 |
| Interest expense | 251,000 | 504,000 | 744,000 | 989,000 |
| Net interest income | 3,696,000 | 7,352,000 | 11,004,000 | 14,715,000 |
| Noninterest income | 1,108,000 | 2,271,000 | 3,485,000 | 4,689,000 |
| Noninterest expense | 3,235,000 | 6,394,000 | 9,565,000 | 12,622,000 |
| Provision for loan losses | 4,000 | 34,000 | 59,000 | 154,000 |
| Pretax income | 1,565,000 | 3,195,000 | 4,865,000 | 6,628,000 |
| Income tax | 447,000 | 917,000 | 1,387,000 | 1,854,000 |
| Net income | 1,090,000 | 2,250,000 | 3,450,000 | 4,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,705,000 | 41,619,000 | 42,818,000 | 42,132,000 |
| Total capital | 43,580,000 | 44,494,000 | 45,598,000 | 44,992,000 |
| Risk-weighted assets | 241,666,000 | 244,987,000 | 244,253,000 | 251,567,000 |