Call reports 2001
BANK OF SMITHTOWN — 2001
What BANK OF SMITHTOWN reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 332,277,000 | 355,556,000 | 362,832,000 | 380,182,000 |
| Total loans | 239,061,000 | 255,765,000 | 271,610,000 | 281,739,000 |
| Allowance for loan losses | 2,726,000 | 2,944,000 | 3,159,000 | 3,092,000 |
| Securities available for sale | 52,823,000 | 50,412,000 | 58,462,000 | 62,719,000 |
| Securities held to maturity | 5,175,000 | 4,962,000 | 4,821,000 | 4,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,148,000 | 300,220,000 | 298,903,000 | 312,640,000 |
| Interest-bearing deposits | 254,698,000 | 241,462,000 | 237,945,000 | 290,372,000 |
| Noninterest-bearing deposits | 17,450,000 | 58,758,000 | 60,958,000 | 22,268,000 |
| Equity capital | 23,085,000 | 24,110,000 | 25,627,000 | 26,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 6,079,000 | 12,329,000 | 18,773,000 | 25,183,000 |
| Interest expense | 2,533,000 | 5,029,000 | 7,371,000 | 9,389,000 |
| Net interest income | 3,546,000 | 7,300,000 | 11,402,000 | 15,794,000 |
| Noninterest income | 1,078,000 | 2,109,000 | 3,137,000 | 4,466,000 |
| Noninterest expense | 2,473,000 | 4,777,000 | 7,210,000 | 9,836,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 990,000 |
| Pretax income | 1,960,000 | 4,226,000 | 6,713,000 | 9,429,000 |
| Income tax | 694,000 | 1,506,000 | 2,391,000 | 3,359,000 |
| Net income | 1,266,000 | 2,720,000 | 4,322,000 | 6,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,949,000 | 23,901,000 | 25,051,000 | 26,295,000 |
| Total capital | 25,675,000 | 26,845,000 | 28,210,000 | 29,387,000 |
| Risk-weighted assets | 240,962,000 | 258,234,000 | 270,198,000 | 286,642,000 |