Call reports 2019
STEUBEN TRUST COMPANY — 2019
What STEUBEN TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 580,744,000 | 576,840,000 | 575,985,000 | 559,596,000 |
| Total loans | 342,427,000 | 346,640,000 | 340,185,000 | 338,333,000 |
| Allowance for loan losses | 4,120,000 | 4,200,000 | 4,200,000 | 4,200,000 |
| Securities available for sale | 181,114,000 | 189,950,000 | 184,976,000 | 179,385,000 |
| Securities held to maturity | 6,512,000 | 6,716,000 | 6,326,000 | 5,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,865,000 | 484,945,000 | 483,762,000 | 460,972,000 |
| Interest-bearing deposits | 378,777,000 | 364,530,000 | 358,660,000 | 335,636,000 |
| Noninterest-bearing deposits | 120,088,000 | 120,415,000 | 125,102,000 | 125,336,000 |
| Equity capital | 62,350,000 | 65,190,000 | 66,996,000 | 68,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,775,000 | 11,633,000 | 17,450,000 | 23,184,000 |
| Interest expense | 750,000 | 1,511,000 | 2,312,000 | 2,990,000 |
| Net interest income | 5,025,000 | 10,122,000 | 15,138,000 | 20,194,000 |
| Noninterest income | 943,000 | 1,970,000 | 3,041,000 | 4,165,000 |
| Noninterest expense | 3,881,000 | 7,645,000 | 11,404,000 | 15,318,000 |
| Provision for loan losses | 51,000 | 158,000 | 170,000 | 181,000 |
| Pretax income | 2,036,000 | 4,289,000 | 6,605,000 | 8,860,000 |
| Income tax | 386,000 | 827,000 | 1,295,000 | 1,627,000 |
| Net income | 1,650,000 | 3,462,000 | 5,310,000 | 7,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,593,000 | 65,932,000 | 67,298,000 | 68,627,000 |
| Total capital | 68,713,000 | 70,132,000 | 71,498,000 | 72,827,000 |
| Risk-weighted assets | 371,638,000 | 377,353,000 | 371,608,000 | 367,541,000 |