Call reports 2014
STEUBEN TRUST COMPANY — 2014
What STEUBEN TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 464,569,000 | 465,812,000 | 467,485,000 | 474,949,000 |
| Total loans | 240,261,000 | 250,854,000 | 256,026,000 | 268,958,000 |
| Allowance for loan losses | 2,860,000 | 3,000,000 | 3,060,000 | 3,100,000 |
| Securities available for sale | 169,778,000 | 172,610,000 | 168,971,000 | 165,678,000 |
| Securities held to maturity | 7,314,000 | 8,899,000 | 8,852,000 | 9,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,501,000 | 380,468,000 | 383,058,000 | 384,029,000 |
| Interest-bearing deposits | 300,543,000 | 291,711,000 | 293,651,000 | 285,930,000 |
| Noninterest-bearing deposits | 86,958,000 | 88,757,000 | 89,407,000 | 98,099,000 |
| Equity capital | 43,241,000 | 45,677,000 | 46,585,000 | 47,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,932,000 | 8,061,000 | 12,258,000 | 16,498,000 |
| Interest expense | 242,000 | 489,000 | 759,000 | 1,029,000 |
| Net interest income | 3,690,000 | 7,572,000 | 11,499,000 | 15,469,000 |
| Noninterest income | 1,069,000 | 2,242,000 | 3,376,000 | 4,637,000 |
| Noninterest expense | 3,226,000 | 6,359,000 | 9,647,000 | 12,995,000 |
| Provision for loan losses | 24,000 | 187,000 | 267,000 | 357,000 |
| Pretax income | 1,595,000 | 3,354,000 | 5,071,000 | 6,951,000 |
| Income tax | 443,000 | 967,000 | 1,475,000 | 2,013,000 |
| Net income | 1,124,000 | 2,359,000 | 3,568,000 | 4,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,912,000 | 44,237,000 | 45,527,000 | 46,636,000 |
| Total capital | 45,772,000 | 47,237,000 | 48,587,000 | 49,736,000 |
| Risk-weighted assets | 251,227,000 | 263,608,000 | 268,780,000 | 279,879,000 |
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