Call reports 2015
FIRST SENTRY BANK, INC. — 2015
What FIRST SENTRY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 501,132,000 | 494,239,000 | 509,588,000 | 508,391,000 |
| Total loans | 365,927,000 | 367,809,000 | 369,105,000 | 367,904,000 |
| Allowance for loan losses | 5,701,000 | 5,524,000 | 5,575,000 | 5,800,000 |
| Securities available for sale | 50,000,000 | 55,725,000 | 56,284,000 | 54,215,000 |
| Securities held to maturity | 28,747,000 | 23,714,000 | 22,709,000 | 18,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,844,000 | 391,269,000 | 416,155,000 | 409,681,000 |
| Interest-bearing deposits | 317,623,000 | 307,315,000 | 327,780,000 | 314,992,000 |
| Noninterest-bearing deposits | 83,221,000 | 83,954,000 | 88,375,000 | 94,688,000 |
| Equity capital | 48,161,000 | 48,688,000 | 49,831,000 | 50,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,856,000 | 9,739,000 | 14,677,000 | 19,629,000 |
| Interest expense | 860,000 | 1,706,000 | 2,537,000 | 3,364,000 |
| Net interest income | 3,996,000 | 8,033,000 | 12,140,000 | 16,265,000 |
| Noninterest income | 358,000 | 467,000 | 885,000 | 1,329,000 |
| Noninterest expense | 2,411,000 | 4,774,000 | 7,110,000 | 9,371,000 |
| Provision for loan losses | 291,000 | 337,000 | 470,000 | 1,198,000 |
| Pretax income | 1,654,000 | 3,371,000 | 5,392,000 | 6,973,000 |
| Income tax | 501,000 | 1,025,000 | 1,659,000 | 2,099,000 |
| Net income | 1,153,000 | 2,346,000 | 3,733,000 | 4,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,500,000 | 46,269,000 | 47,254,000 | 48,005,000 |
| Total capital | 49,751,000 | 50,530,000 | 51,545,000 | 52,309,000 |
| Risk-weighted assets | 338,634,000 | 339,631,000 | 341,958,000 | 342,826,000 |