Call reports 2016
STEUBEN TRUST COMPANY — 2016
What STEUBEN TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 522,012,000 | 527,596,000 | 527,714,000 | 516,296,000 |
| Total loans | 287,259,000 | 293,618,000 | 301,533,000 | 301,266,000 |
| Allowance for loan losses | 3,355,000 | 3,450,000 | 3,530,000 | 3,580,000 |
| Securities available for sale | 189,690,000 | 187,817,000 | 178,539,000 | 171,513,000 |
| Securities held to maturity | 6,762,000 | 6,714,000 | 7,169,000 | 8,390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,790,000 | 431,790,000 | 436,605,000 | 418,772,000 |
| Interest-bearing deposits | 338,911,000 | 330,514,000 | 333,907,000 | 314,836,000 |
| Noninterest-bearing deposits | 98,879,000 | 101,276,000 | 102,698,000 | 103,936,000 |
| Equity capital | 52,678,000 | 54,397,000 | 54,877,000 | 53,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,510,000 | 9,057,000 | 13,649,000 | 18,337,000 |
| Interest expense | 259,000 | 510,000 | 791,000 | 1,064,000 |
| Net interest income | 4,251,000 | 8,547,000 | 12,858,000 | 17,273,000 |
| Noninterest income | 922,000 | 1,957,000 | 3,013,000 | 4,082,000 |
| Noninterest expense | 3,321,000 | 6,709,000 | 10,080,000 | 13,583,000 |
| Provision for loan losses | 48,000 | 143,000 | 203,000 | 289,000 |
| Pretax income | 1,804,000 | 3,660,000 | 5,621,000 | 7,516,000 |
| Income tax | 490,000 | 1,018,000 | 1,575,000 | 2,070,000 |
| Net income | 1,314,000 | 2,642,000 | 4,046,000 | 5,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,204,000 | 52,139,000 | 53,143,000 | 54,139,000 |
| Total capital | 54,559,000 | 55,589,000 | 56,673,000 | 57,719,000 |
| Risk-weighted assets | 323,145,000 | 327,681,000 | 331,166,000 | 333,008,000 |