Call reports 2004
BANK OF SMITHTOWN — 2004
What BANK OF SMITHTOWN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 620,358,000 | 633,842,000 | 661,005,000 | 676,730,000 |
| Total loans | 493,864,000 | 521,131,000 | 552,953,000 | 570,822,000 |
| Allowance for loan losses | 4,763,000 | 4,558,000 | 4,699,000 | 4,912,000 |
| Securities available for sale | 45,208,000 | 53,811,000 | 56,856,000 | 50,758,000 |
| Securities held to maturity | 1,880,000 | 1,717,000 | 1,608,000 | 1,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,270,000 | 537,124,000 | 551,087,000 | 517,661,000 |
| Interest-bearing deposits | 497,569,000 | 505,288,000 | 516,709,000 | 489,961,000 |
| Noninterest-bearing deposits | 26,701,000 | 31,836,000 | 34,378,000 | 27,700,000 |
| Equity capital | 51,225,000 | 52,304,000 | 54,789,000 | 57,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,334,000 | 17,211,000 | 26,522,000 | 36,530,000 |
| Interest expense | 2,363,000 | 4,711,000 | 7,241,000 | 9,861,000 |
| Net interest income | 5,971,000 | 12,500,000 | 19,281,000 | 26,669,000 |
| Noninterest income | 925,000 | 1,849,000 | 3,016,000 | 4,083,000 |
| Noninterest expense | 3,508,000 | 6,970,000 | 10,616,000 | 14,727,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 196,000 |
| Pretax income | 3,482,000 | 7,667,000 | 11,958,000 | 16,266,000 |
| Income tax | 1,213,000 | 2,687,000 | 4,176,000 | 5,643,000 |
| Net income | 2,269,000 | 4,980,000 | 7,782,000 | 10,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,522,000 | 52,414,000 | 53,729,000 | 56,229,000 |
| Total capital | 55,692,000 | 57,443,000 | 58,899,000 | 61,620,000 |
| Risk-weighted assets | 488,203,000 | 500,749,000 | 531,075,000 | 548,418,000 |