Call reports 2007
BANK OF SMITHTOWN — 2007
What BANK OF SMITHTOWN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,088,727,000 | 1,082,676,000 | 1,094,224,000 | 1,120,634,000 |
| Total loans | 890,505,000 | 919,945,000 | 948,826,000 | 983,918,000 |
| Allowance for loan losses | 7,414,000 | 7,699,000 | 7,967,000 | 8,250,000 |
| Securities available for sale | 75,422,000 | 77,265,000 | 64,690,000 | 54,892,000 |
| Securities held to maturity | 325,000 | 224,000 | 217,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 955,524,000 | 945,029,000 | 965,271,000 | 991,982,000 |
| Interest-bearing deposits | 922,369,000 | 919,552,000 | 944,551,000 | 968,710,000 |
| Noninterest-bearing deposits | 33,155,000 | 25,477,000 | 20,720,000 | 23,272,000 |
| Equity capital | 87,389,000 | 90,608,000 | 94,069,000 | 97,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 19,106,000 | 38,673,000 | 58,714,000 | 78,656,000 |
| Interest expense | 8,813,000 | 17,790,000 | 26,992,000 | 36,188,000 |
| Net interest income | 10,293,000 | 20,883,000 | 31,722,000 | 42,468,000 |
| Noninterest income | 2,226,000 | 4,436,000 | 6,861,000 | 9,174,000 |
| Noninterest expense | 6,580,000 | 13,131,000 | 19,784,000 | 26,707,000 |
| Provision for loan losses | 400,000 | 700,000 | 1,000,000 | 1,300,000 |
| Pretax income | 5,539,000 | 11,488,000 | 17,833,000 | 23,684,000 |
| Income tax | 1,751,000 | 3,614,000 | 5,721,000 | 7,774,000 |
| Net income | 3,788,000 | 7,874,000 | 12,112,000 | 15,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,989,000 | 87,437,000 | 88,832,000 | 92,095,000 |
| Total capital | 91,555,000 | 95,317,000 | 97,011,000 | 100,567,000 |
| Risk-weighted assets | 877,103,000 | 901,802,000 | 927,318,000 | 952,522,000 |