Call reports 2006
BANK OF SMITHTOWN — 2006
What BANK OF SMITHTOWN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 926,739,000 | 975,733,000 | 995,277,000 | 1,047,707,000 |
| Total loans | 745,169,000 | 786,413,000 | 805,056,000 | 849,258,000 |
| Allowance for loan losses | 6,552,000 | 7,073,000 | 7,372,000 | 7,051,000 |
| Securities available for sale | 119,876,000 | 118,148,000 | 116,165,000 | 100,597,000 |
| Securities held to maturity | 1,006,000 | 370,000 | 359,000 | 415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 781,609,000 | 829,458,000 | 851,025,000 | 893,446,000 |
| Interest-bearing deposits | 745,753,000 | 795,623,000 | 818,938,000 | 857,699,000 |
| Noninterest-bearing deposits | 35,856,000 | 33,835,000 | 32,087,000 | 35,747,000 |
| Equity capital | 75,407,000 | 78,175,000 | 82,094,000 | 83,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 15,033,000 | 31,698,000 | 48,996,000 | 67,781,000 |
| Interest expense | 5,915,000 | 12,645,000 | 20,015,000 | 28,306,000 |
| Net interest income | 9,118,000 | 19,053,000 | 28,981,000 | 39,475,000 |
| Noninterest income | 2,394,000 | 4,706,000 | 7,011,000 | 9,164,000 |
| Noninterest expense | 5,943,000 | 11,938,000 | 18,046,000 | 24,197,000 |
| Provision for loan losses | 600,000 | 1,100,000 | 1,400,000 | 1,500,000 |
| Pretax income | 4,958,000 | 10,710,000 | 16,740,000 | 23,136,000 |
| Income tax | 1,629,000 | 3,451,000 | 5,429,000 | 7,694,000 |
| Net income | 3,329,000 | 7,259,000 | 11,311,000 | 15,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,037,000 | 76,336,000 | 78,308,000 | 80,589,000 |
| Total capital | 80,127,000 | 83,518,000 | 85,792,000 | 87,762,000 |
| Risk-weighted assets | 739,079,000 | 779,035,000 | 797,918,000 | 836,795,000 |