Call reports 2009
BANK OF SMITHTOWN — 2009
What BANK OF SMITHTOWN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,171,475,000 | 2,340,313,000 | 2,667,456,000 | 2,631,613,000 |
| Total loans | 1,823,185,000 | 1,970,527,000 | 2,090,714,000 | 2,107,346,000 |
| Allowance for loan losses | 12,411,000 | 14,109,000 | 23,091,000 | 38,483,000 |
| Securities available for sale | 100,740,000 | 245,080,000 | 427,152,000 | 397,274,000 |
| Securities held to maturity | 111,000 | 66,000 | 66,000 | 66,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,671,120,000 | 1,784,797,000 | 2,081,791,000 | 2,075,212,000 |
| Interest-bearing deposits | 1,551,678,000 | 1,654,708,000 | 1,930,124,000 | 1,922,722,000 |
| Noninterest-bearing deposits | 119,442,000 | 130,089,000 | 151,667,000 | 152,490,000 |
| Equity capital | 159,623,000 | 189,737,000 | 193,474,000 | 171,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 26,578,000 | 55,876,000 | 88,206,000 | 120,072,000 |
| Interest expense | 12,599,000 | 25,118,000 | 38,153,000 | 51,294,000 |
| Net interest income | 13,979,000 | 30,758,000 | 50,053,000 | 68,778,000 |
| Noninterest income | 2,258,000 | 4,455,000 | 6,550,000 | 8,710,000 |
| Noninterest expense | 9,325,000 | 20,475,000 | 31,383,000 | 48,366,000 |
| Provision for loan losses | 1,200,000 | 3,000,000 | 13,000,000 | 51,000,000 |
| Pretax income | 6,234,000 | 12,005,000 | 13,377,000 | -19,958,000 |
| Income tax | 2,035,000 | 3,859,000 | 3,817,000 | -9,646,000 |
| Net income | 4,199,000 | 8,146,000 | 9,560,000 | -10,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,098,000 | 187,408,000 | 188,202,000 | 168,196,000 |
| Total capital | 168,509,000 | 206,003,000 | 228,727,000 | 211,178,000 |
| Risk-weighted assets | 1,667,650,000 | 1,788,927,000 | 2,042,398,000 | 2,036,501,000 |