Call reports 2015
SUFFOLK COUNTY NATIONAL BANK OF RIVERHEAD, THE — 2015
What SUFFOLK COUNTY NATIONAL BANK OF RIVERHEAD, THE 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 | 1,891,599,000 | 1,997,861,000 | 2,066,478,000 | 2,168,217,000 |
| Total loans | 1,384,996,000 | 1,479,758,000 | 1,560,265,000 | 1,668,113,000 |
| Allowance for loan losses | 19,325,000 | 20,051,000 | 20,315,000 | 20,685,000 |
| Securities available for sale | 291,557,000 | 273,837,000 | 261,232,000 | 247,099,000 |
| Securities held to maturity | 62,191,000 | 63,618,000 | 66,427,000 | 61,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,593,015,000 | 1,720,723,000 | 1,798,533,000 | 1,783,611,000 |
| Interest-bearing deposits | 909,079,000 | 951,950,000 | 994,619,000 | 992,679,000 |
| Noninterest-bearing deposits | 683,936,000 | 768,773,000 | 803,914,000 | 790,932,000 |
| Equity capital | 185,384,000 | 188,234,000 | 193,079,000 | 193,252,000 |
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 | 17,193,000 | 35,769,000 | 53,975,000 | 72,780,000 |
| Interest expense | 676,000 | 1,431,000 | 2,259,000 | 3,247,000 |
| Net interest income | 16,517,000 | 34,338,000 | 51,716,000 | 69,533,000 |
| Noninterest income | 2,065,000 | 3,955,000 | 6,249,000 | 8,275,000 |
| Noninterest expense | 13,057,000 | 26,229,000 | 38,854,000 | 53,828,000 |
| Provision for loan losses | 250,000 | 250,000 | 600,000 | 600,000 |
| Pretax income | 5,301,000 | 12,000,000 | 18,830,000 | 23,699,000 |
| Income tax | 1,259,000 | 2,840,000 | 4,710,000 | 5,920,000 |
| Net income | 4,042,000 | 9,160,000 | 14,120,000 | 17,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,110,000 | 191,761,000 | 196,066,000 | 198,587,000 |
| Total capital | 209,312,000 | 212,021,000 | 216,671,000 | 219,562,000 |
| Risk-weighted assets | 1,535,234,000 | 1,620,728,000 | 1,665,412,000 | 1,733,947,000 |