Call reports 2002
BANK OF SMITHTOWN — 2002
What BANK OF SMITHTOWN reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 408,186,000 | 434,056,000 | 451,793,000 | 451,871,000 |
| Total loans | 300,623,000 | 327,848,000 | 344,500,000 | 358,050,000 |
| Allowance for loan losses | 3,330,000 | 3,560,000 | 3,794,000 | 3,946,000 |
| Securities available for sale | 57,598,000 | 57,860,000 | 57,601,000 | 55,248,000 |
| Securities held to maturity | 4,441,000 | 4,060,000 | 3,611,000 | 2,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,670,000 | 349,373,000 | 368,043,000 | 378,493,000 |
| Interest-bearing deposits | 302,603,000 | 326,676,000 | 345,011,000 | 356,099,000 |
| Noninterest-bearing deposits | 22,067,000 | 22,697,000 | 23,032,000 | 22,394,000 |
| Equity capital | 28,117,000 | 30,269,000 | 32,067,000 | 33,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,390,000 | 13,063,000 | 20,080,000 | 27,207,000 |
| Interest expense | 1,751,000 | 3,531,000 | 5,446,000 | 7,410,000 |
| Net interest income | 4,639,000 | 9,532,000 | 14,634,000 | 19,797,000 |
| Noninterest income | 1,227,000 | 2,633,000 | 3,828,000 | 5,128,000 |
| Noninterest expense | 2,718,000 | 5,645,000 | 8,867,000 | 11,733,000 |
| Provision for loan losses | 210,000 | 460,000 | 690,000 | 1,020,000 |
| Pretax income | 2,938,000 | 6,060,000 | 8,982,000 | 12,249,000 |
| Income tax | 1,059,000 | 2,169,000 | 3,174,000 | 4,327,000 |
| Net income | 1,879,000 | 3,891,000 | 5,808,000 | 7,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,879,000 | 29,661,000 | 31,346,000 | 32,830,000 |
| Total capital | 31,209,000 | 33,221,000 | 35,140,000 | 37,076,000 |
| Risk-weighted assets | 312,054,000 | 341,688,000 | 341,038,000 | 350,960,000 |