Call reports 2007
FIRST SENTRY BANK, INC. — 2007
What FIRST SENTRY BANK, INC. 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 | 254,833,000 | 248,438,000 | 261,939,000 | 268,718,000 |
| Total loans | 199,522,000 | 201,792,000 | 202,702,000 | 207,290,000 |
| Allowance for loan losses | 3,070,000 | 2,738,000 | 2,622,000 | 2,852,000 |
| Securities available for sale | 21,130,000 | 27,532,000 | 33,985,000 | 41,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,874,000 | 3,948,000 | 3,976,000 | 3,996,000 |
| Total deposits | 213,670,000 | 206,260,000 | 214,333,000 | 214,895,000 |
| Interest-bearing deposits | 179,047,000 | 171,011,000 | 179,034,000 | 179,799,000 |
| Noninterest-bearing deposits | 34,623,000 | 35,249,000 | 35,299,000 | 35,096,000 |
| Equity capital | 20,374,000 | 21,414,000 | 22,185,000 | 22,531,000 |
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 | 4,530,000 | 8,918,000 | 13,388,000 | 17,839,000 |
| Interest expense | 2,111,000 | 4,212,000 | 6,427,000 | 8,690,000 |
| Net interest income | 2,419,000 | 4,706,000 | 6,961,000 | 9,149,000 |
| Noninterest income | 292,000 | 567,000 | 873,000 | 1,179,000 |
| Noninterest expense | 1,282,000 | 2,530,000 | 3,798,000 | 5,131,000 |
| Provision for loan losses | 465,000 | 861,000 | 1,178,000 | 1,543,000 |
| Pretax income | 967,000 | 1,889,000 | 2,873,000 | 3,673,000 |
| Income tax | 315,000 | 614,000 | 937,000 | 1,176,000 |
| Net income | 652,000 | 1,275,000 | 1,936,000 | 2,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,345,000 | 21,728,000 | 22,152,000 | 22,335,000 |
| Total capital | 22,700,000 | 24,086,000 | 24,562,000 | 24,809,000 |
| Risk-weighted assets | 187,709,000 | 188,238,000 | 192,605,000 | 197,565,000 |