Call reports 2018
STEUBEN TRUST COMPANY — 2018
What STEUBEN TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 535,147,000 | 548,720,000 | 560,315,000 | 551,277,000 |
| Total loans | 319,715,000 | 330,104,000 | 336,859,000 | 342,577,000 |
| Allowance for loan losses | 3,900,000 | 4,030,000 | 4,105,000 | 4,190,000 |
| Securities available for sale | 164,995,000 | 172,127,000 | 173,002,000 | 173,128,000 |
| Securities held to maturity | 8,305,000 | 8,237,000 | 7,734,000 | 7,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,767,000 | 462,648,000 | 478,094,000 | 462,558,000 |
| Interest-bearing deposits | 343,688,000 | 346,313,000 | 355,307,000 | 344,844,000 |
| Noninterest-bearing deposits | 113,079,000 | 116,335,000 | 122,787,000 | 117,714,000 |
| Equity capital | 56,062,000 | 56,891,000 | 57,554,000 | 59,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,016,000 | 10,359,000 | 15,878,000 | 21,515,000 |
| Interest expense | 431,000 | 950,000 | 1,620,000 | 2,259,000 |
| Net interest income | 4,585,000 | 9,409,000 | 14,258,000 | 19,256,000 |
| Noninterest income | 994,000 | 1,994,000 | 2,982,000 | 4,108,000 |
| Noninterest expense | 3,527,000 | 7,042,000 | 10,567,000 | 14,242,000 |
| Provision for loan losses | 75,000 | 248,000 | 423,000 | 559,000 |
| Pretax income | 1,977,000 | 4,113,000 | 6,250,000 | 8,563,000 |
| Income tax | 369,000 | 789,000 | 1,203,000 | 1,619,000 |
| Net income | 1,608,000 | 3,324,000 | 5,047,000 | 6,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,383,000 | 60,671,000 | 61,952,000 | 63,398,000 |
| Total capital | 63,283,000 | 64,701,000 | 66,057,000 | 67,588,000 |
| Risk-weighted assets | 350,170,000 | 364,494,000 | 367,037,000 | 370,232,000 |