Call reports 2004
FIRST SENTRY BANK, INC. — 2004
What FIRST SENTRY BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 189,383,000 | 189,176,000 | 202,214,000 | 202,753,000 |
| Total loans | 148,705,000 | 153,292,000 | 154,830,000 | 162,028,000 |
| Allowance for loan losses | 1,760,000 | 1,880,000 | 2,050,000 | 2,112,000 |
| Securities available for sale | 11,056,000 | 9,906,000 | 9,992,000 | 9,945,000 |
| Securities held to maturity | 5,897,000 | 9,769,000 | 9,692,000 | 9,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,403,000 | 150,442,000 | 162,377,000 | 161,928,000 |
| Interest-bearing deposits | 134,678,000 | 128,388,000 | 138,404,000 | 134,660,000 |
| Noninterest-bearing deposits | 19,725,000 | 22,054,000 | 23,973,000 | 27,268,000 |
| Equity capital | 16,712,000 | 16,989,000 | 17,435,000 | 17,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,431,000 | 4,959,000 | 7,630,000 | 10,465,000 |
| Interest expense | 981,000 | 1,942,000 | 2,899,000 | 3,901,000 |
| Net interest income | 1,450,000 | 3,017,000 | 4,731,000 | 6,564,000 |
| Noninterest income | 156,000 | 319,000 | 482,000 | 675,000 |
| Noninterest expense | 852,000 | 1,774,000 | 2,776,000 | 3,893,000 |
| Provision for loan losses | 128,000 | 297,000 | 489,000 | 703,000 |
| Pretax income | 626,000 | 1,265,000 | 1,948,000 | 2,643,000 |
| Income tax | 219,000 | 443,000 | 685,000 | 923,000 |
| Net income | 407,000 | 822,000 | 1,263,000 | 1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,687,000 | 17,051,000 | 17,441,000 | 17,312,000 |
| Total capital | 18,447,000 | 18,915,000 | 19,348,000 | 19,291,000 |
| Risk-weighted assets | 145,450,000 | 149,070,000 | 152,455,000 | 158,209,000 |