Call reports 2003
FIRST SENTRY BANK, INC. — 2003
What FIRST SENTRY BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 176,320,000 | 170,674,000 | 179,523,000 | 181,826,000 |
| Total loans | 140,296,000 | 141,011,000 | 142,618,000 | 144,291,000 |
| Allowance for loan losses | 1,500,000 | 1,605,000 | 1,675,000 | 1,665,000 |
| Securities available for sale | 14,225,000 | 14,185,000 | 13,102,000 | 15,055,000 |
| Securities held to maturity | 0 | 0 | 6,010,000 | 5,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,982,000 | 144,818,000 | 148,430,000 | 148,791,000 |
| Interest-bearing deposits | 130,290,000 | 125,335,000 | 128,823,000 | 126,390,000 |
| Noninterest-bearing deposits | 20,692,000 | 19,483,000 | 19,607,000 | 22,401,000 |
| Equity capital | 15,424,000 | 15,714,000 | 16,009,000 | 16,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,487,000 | 4,967,000 | 7,408,000 | 9,898,000 |
| Interest expense | 1,130,000 | 2,246,000 | 3,314,000 | 4,331,000 |
| Net interest income | 1,357,000 | 2,721,000 | 4,094,000 | 5,567,000 |
| Noninterest income | 127,000 | 267,000 | 414,000 | 555,000 |
| Noninterest expense | 777,000 | 1,585,000 | 2,381,000 | 3,212,000 |
| Provision for loan losses | 143,000 | 316,000 | 457,000 | 615,000 |
| Pretax income | 564,000 | 1,087,000 | 1,670,000 | 2,295,000 |
| Income tax | 195,000 | 373,000 | 574,000 | 791,000 |
| Net income | 369,000 | 714,000 | 1,096,000 | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,348,000 | 15,642,000 | 15,973,000 | 16,330,000 |
| Total capital | 16,848,000 | 17,247,000 | 17,648,000 | 17,995,000 |
| Risk-weighted assets | 135,036,000 | 134,460,000 | 136,830,000 | 140,310,000 |