Call reports 2003
BANK OF SMITHTOWN — 2003
What BANK OF SMITHTOWN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 472,294,000 | 505,649,000 | 529,699,000 | 564,949,000 |
| Total loans | 363,542,000 | 391,506,000 | 423,192,000 | 459,630,000 |
| Allowance for loan losses | 4,008,000 | 4,316,000 | 4,548,000 | 4,761,000 |
| Securities available for sale | 50,831,000 | 66,386,000 | 60,134,000 | 57,285,000 |
| Securities held to maturity | 2,916,000 | 2,327,000 | 2,127,000 | 1,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,175,000 | 429,306,000 | 436,168,000 | 482,655,000 |
| Interest-bearing deposits | 372,780,000 | 396,121,000 | 411,709,000 | 456,827,000 |
| Noninterest-bearing deposits | 24,395,000 | 33,185,000 | 24,459,000 | 25,828,000 |
| Equity capital | 34,613,000 | 36,569,000 | 47,284,000 | 49,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,000,000 | 14,313,000 | 22,263,000 | 30,170,000 |
| Interest expense | 1,846,000 | 3,734,000 | 5,569,000 | 7,554,000 |
| Net interest income | 5,154,000 | 10,579,000 | 16,694,000 | 22,616,000 |
| Noninterest income | 1,187,000 | 2,725,000 | 2,840,000 | 3,737,000 |
| Noninterest expense | 3,174,000 | 6,387,000 | 8,640,000 | 11,297,000 |
| Provision for loan losses | 80,000 | 350,000 | 600,000 | 763,000 |
| Pretax income | 3,097,000 | 6,584,000 | 10,355,000 | 14,402,000 |
| Income tax | 1,110,000 | 2,393,000 | 3,759,000 | 5,199,000 |
| Net income | 1,987,000 | 4,191,000 | 6,596,000 | 9,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,746,000 | 35,476,000 | 46,616,000 | 48,655,000 |
| Total capital | 38,054,000 | 40,092,000 | 51,464,000 | 53,823,000 |
| Risk-weighted assets | 362,816,000 | 392,498,000 | 424,097,000 | 461,599,000 |