Call reports 2005
FIRST SENTRY BANK, INC. — 2005
What FIRST SENTRY BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 214,408,000 | 211,481,000 | 215,344,000 | 221,324,000 |
| Total loans | 166,988,000 | 169,071,000 | 175,490,000 | 179,178,000 |
| Allowance for loan losses | 2,260,000 | 2,275,000 | 2,545,000 | 2,700,000 |
| Securities available for sale | 9,860,000 | 9,887,000 | 9,893,000 | 11,294,000 |
| Securities held to maturity | 9,546,000 | 9,467,000 | 9,381,000 | 9,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,732,000 | 166,370,000 | 175,859,000 | 181,425,000 |
| Interest-bearing deposits | 150,656,000 | 138,449,000 | 147,102,000 | 149,450,000 |
| Noninterest-bearing deposits | 25,076,000 | 27,921,000 | 28,757,000 | 31,975,000 |
| Equity capital | 17,516,000 | 17,900,000 | 18,295,000 | 18,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,952,000 | 6,143,000 | 9,579,000 | 13,158,000 |
| Interest expense | 1,069,000 | 2,297,000 | 3,634,000 | 5,018,000 |
| Net interest income | 1,883,000 | 3,846,000 | 5,945,000 | 8,140,000 |
| Noninterest income | 149,000 | 398,000 | 605,000 | 894,000 |
| Noninterest expense | 1,086,000 | 2,173,000 | 3,290,000 | 4,465,000 |
| Provision for loan losses | 249,000 | 541,000 | 884,000 | 1,222,000 |
| Pretax income | 697,000 | 1,530,000 | 2,376,000 | 3,347,000 |
| Income tax | 242,000 | 533,000 | 827,000 | 1,167,000 |
| Net income | 455,000 | 997,000 | 1,549,000 | 2,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,601,000 | 17,969,000 | 18,342,000 | 18,656,000 |
| Total capital | 19,596,000 | 19,970,000 | 20,410,000 | 20,767,000 |
| Risk-weighted assets | 159,331,000 | 159,773,000 | 164,997,000 | 168,268,000 |