Call reports 2005
BANK OF SMITHTOWN — 2005
What BANK OF SMITHTOWN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 753,974,000 | 794,463,000 | 837,741,000 | 877,958,000 |
| Total loans | 576,663,000 | 618,942,000 | 651,917,000 | 698,421,000 |
| Allowance for loan losses | 5,060,000 | 5,071,000 | 5,346,000 | 5,964,000 |
| Securities available for sale | 89,110,000 | 112,619,000 | 115,633,000 | 115,091,000 |
| Securities held to maturity | 1,487,000 | 1,339,000 | 1,117,000 | 1,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 623,226,000 | 646,489,000 | 705,787,000 | 698,020,000 |
| Interest-bearing deposits | 594,871,000 | 610,586,000 | 670,921,000 | 669,015,000 |
| Noninterest-bearing deposits | 28,355,000 | 35,903,000 | 34,866,000 | 29,005,000 |
| Equity capital | 58,613,000 | 61,431,000 | 63,481,000 | 65,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,553,000 | 22,011,000 | 34,712,000 | 48,624,000 |
| Interest expense | 3,237,000 | 6,835,000 | 11,031,000 | 15,946,000 |
| Net interest income | 7,316,000 | 15,176,000 | 23,681,000 | 32,678,000 |
| Noninterest income | 1,276,000 | 4,036,000 | 6,169,000 | 8,177,000 |
| Noninterest expense | 4,650,000 | 10,518,000 | 15,923,000 | 20,991,000 |
| Provision for loan losses | 140,000 | 225,000 | 525,000 | 1,200,000 |
| Pretax income | 3,805,000 | 8,482,000 | 13,415,000 | 18,677,000 |
| Income tax | 1,263,000 | 3,034,000 | 4,798,000 | 6,755,000 |
| Net income | 2,542,000 | 5,448,000 | 8,617,000 | 11,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,287,000 | 60,402,000 | 61,480,000 | 64,284,000 |
| Total capital | 62,860,000 | 65,996,000 | 67,349,000 | 70,774,000 |
| Risk-weighted assets | 571,175,000 | 610,897,000 | 655,257,000 | 694,833,000 |