Call reports 2008
FIRST SENTRY BANK, INC. — 2008
What FIRST SENTRY BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 287,925,000 | 295,511,000 | 321,027,000 | 338,555,000 |
| Total loans | 207,372,000 | 213,171,000 | 217,012,000 | 224,172,000 |
| Allowance for loan losses | 2,910,000 | 3,049,000 | 3,025,000 | 3,227,000 |
| Securities available for sale | 52,805,000 | 57,513,000 | 61,422,000 | 70,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 9,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,636,000 | 221,336,000 | 255,412,000 | 265,200,000 |
| Interest-bearing deposits | 196,733,000 | 188,460,000 | 220,683,000 | 225,476,000 |
| Noninterest-bearing deposits | 31,903,000 | 32,876,000 | 34,729,000 | 39,724,000 |
| Equity capital | 23,055,000 | 22,520,000 | 23,043,000 | 23,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,386,000 | 8,728,000 | 13,191,000 | 17,783,000 |
| Interest expense | 2,229,000 | 4,361,000 | 6,591,000 | 8,755,000 |
| Net interest income | 2,157,000 | 4,367,000 | 6,600,000 | 9,028,000 |
| Noninterest income | 259,000 | 553,000 | 858,000 | 1,116,000 |
| Noninterest expense | 1,349,000 | 2,720,000 | 4,152,000 | 5,663,000 |
| Provision for loan losses | 152,000 | 499,000 | 763,000 | 1,189,000 |
| Pretax income | 919,000 | 1,777,000 | 2,655,000 | 3,409,000 |
| Income tax | 298,000 | 581,000 | 872,000 | 1,040,000 |
| Net income | 621,000 | 1,196,000 | 1,783,000 | 2,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,667,000 | 22,775,000 | 23,095,000 | 23,429,000 |
| Total capital | 25,187,000 | 25,384,000 | 25,800,000 | 26,206,000 |
| Risk-weighted assets | 201,207,000 | 208,274,000 | 216,071,000 | 221,681,000 |