Call reports 2016
SUFFOLK COUNTY NATIONAL BANK OF RIVERHEAD, THE — 2016
What SUFFOLK COUNTY NATIONAL BANK OF RIVERHEAD, THE 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 | 2,255,999,000 | 2,195,982,000 | 2,196,079,000 | 2,091,894,000 |
| Total loans | 1,748,645,000 | 1,732,664,000 | 1,712,290,000 | 1,676,564,000 |
| Allowance for loan losses | 20,930,000 | 20,965,000 | 20,465,000 | 20,117,000 |
| Securities available for sale | 249,263,000 | 215,111,000 | 194,273,000 | 179,242,000 |
| Securities held to maturity | 47,141,000 | 29,466,000 | 18,896,000 | 18,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,874,258,000 | 1,950,761,000 | 1,945,362,000 | 1,838,271,000 |
| Interest-bearing deposits | 1,079,691,000 | 1,085,971,000 | 1,077,022,000 | 970,778,000 |
| Noninterest-bearing deposits | 794,567,000 | 864,790,000 | 868,340,000 | 867,493,000 |
| Equity capital | 198,833,000 | 207,799,000 | 212,560,000 | 213,599,000 |
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 | 19,427,000 | 39,461,000 | 58,785,000 | 77,719,000 |
| Interest expense | 1,103,000 | 2,115,000 | 3,051,000 | 3,929,000 |
| Net interest income | 18,324,000 | 37,346,000 | 55,734,000 | 73,790,000 |
| Noninterest income | 1,886,000 | 4,109,000 | 5,908,000 | 7,866,000 |
| Noninterest expense | 13,127,000 | 26,424,000 | 39,879,000 | 55,256,000 |
| Provision for loan losses | 250,000 | 250,000 | -100,000 | -500,000 |
| Pretax income | 6,839,000 | 14,805,000 | 22,410,000 | 27,517,000 |
| Income tax | 1,989,000 | 4,153,000 | 6,274,000 | 7,645,000 |
| Net income | 4,850,000 | 10,652,000 | 16,136,000 | 19,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 202,783,000 | 211,371,000 | 217,604,000 | 222,304,000 |
| Total capital | 224,003,000 | 232,576,000 | 238,309,000 | 242,661,000 |
| Risk-weighted assets | 1,808,931,000 | 1,775,492,000 | 1,725,406,000 | 1,657,405,000 |