Call reports 2017
STEUBEN TRUST COMPANY — 2017
What STEUBEN TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 536,535,000 | 528,756,000 | 526,410,000 | 526,835,000 |
| Total loans | 300,171,000 | 304,704,000 | 304,453,000 | 317,856,000 |
| Allowance for loan losses | 3,610,000 | 3,720,000 | 3,770,000 | 3,840,000 |
| Securities available for sale | 184,045,000 | 183,841,000 | 175,165,000 | 168,668,000 |
| Securities held to maturity | 8,814,000 | 7,596,000 | 7,638,000 | 8,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,601,000 | 433,578,000 | 432,863,000 | 428,887,000 |
| Interest-bearing deposits | 351,376,000 | 325,139,000 | 318,693,000 | 317,120,000 |
| Noninterest-bearing deposits | 108,225,000 | 108,439,000 | 114,170,000 | 111,767,000 |
| Equity capital | 54,221,000 | 55,693,000 | 56,827,000 | 56,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,636,000 | 9,426,000 | 14,265,000 | 19,229,000 |
| Interest expense | 269,000 | 534,000 | 907,000 | 1,303,000 |
| Net interest income | 4,367,000 | 8,892,000 | 13,358,000 | 17,926,000 |
| Noninterest income | 999,000 | 2,261,000 | 3,315,000 | 4,337,000 |
| Noninterest expense | 3,345,000 | 6,851,000 | 10,211,000 | 13,501,000 |
| Provision for loan losses | 79,000 | 232,000 | 301,000 | 405,000 |
| Pretax income | 1,942,000 | 4,070,000 | 6,163,000 | 8,359,000 |
| Income tax | 548,000 | 1,176,000 | 1,796,000 | 2,922,000 |
| Net income | 1,394,000 | 2,894,000 | 4,367,000 | 5,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,142,000 | 56,236,000 | 57,317,000 | 57,968,000 |
| Total capital | 58,752,000 | 59,956,000 | 61,087,000 | 61,808,000 |
| Risk-weighted assets | 333,376,000 | 336,045,000 | 336,272,000 | 348,760,000 |