Call reports 2015
STEUBEN TRUST COMPANY — 2015
What STEUBEN TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 497,992,000 | 493,015,000 | 495,946,000 | 489,956,000 |
| Total loans | 264,917,000 | 267,832,000 | 269,599,000 | 280,758,000 |
| Allowance for loan losses | 3,110,000 | 3,130,000 | 3,150,000 | 3,290,000 |
| Securities available for sale | 177,003,000 | 184,037,000 | 180,790,000 | 176,208,000 |
| Securities held to maturity | 9,111,000 | 3,946,000 | 4,538,000 | 4,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,782,000 | 417,829,000 | 418,785,000 | 395,245,000 |
| Interest-bearing deposits | 315,300,000 | 325,969,000 | 324,857,000 | 296,727,000 |
| Noninterest-bearing deposits | 94,482,000 | 91,860,000 | 93,928,000 | 98,518,000 |
| Equity capital | 49,155,000 | 48,905,000 | 50,502,000 | 50,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,275,000 | 8,598,000 | 12,955,000 | 17,338,000 |
| Interest expense | 276,000 | 527,000 | 764,000 | 998,000 |
| Net interest income | 3,999,000 | 8,071,000 | 12,191,000 | 16,340,000 |
| Noninterest income | 1,072,000 | 2,147,000 | 3,242,000 | 4,419,000 |
| Noninterest expense | 3,346,000 | 6,777,000 | 10,237,000 | 13,506,000 |
| Provision for loan losses | 51,000 | 69,000 | 129,000 | 310,000 |
| Pretax income | 1,674,000 | 3,448,000 | 5,143,000 | 7,025,000 |
| Income tax | 463,000 | 948,000 | 1,395,000 | 1,879,000 |
| Net income | 1,211,000 | 2,500,000 | 3,748,000 | 5,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,960,000 | 48,877,000 | 49,751,000 | 50,287,000 |
| Total capital | 51,070,000 | 52,007,000 | 52,901,000 | 53,577,000 |
| Risk-weighted assets | 287,866,000 | 289,159,000 | 291,458,000 | 314,762,000 |