Call reports 2006
FIRST SENTINEL BANK — 2006
What FIRST SENTINEL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 103,810,000 | 109,299,000 | 111,793,000 | 120,386,000 |
| Total loans | 75,994,000 | 83,188,000 | 90,558,000 | 93,745,000 |
| Allowance for loan losses | 907,000 | 986,000 | 1,044,000 | 1,042,000 |
| Securities available for sale | 19,654,000 | 15,651,000 | 10,932,000 | 15,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,499,000 | 98,801,000 | 100,771,000 | 109,086,000 |
| Interest-bearing deposits | 81,278,000 | 85,243,000 | 87,327,000 | 96,499,000 |
| Noninterest-bearing deposits | 12,221,000 | 13,558,000 | 13,444,000 | 12,587,000 |
| Equity capital | 8,961,000 | 9,211,000 | 9,611,000 | 9,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,824,000 | 3,858,000 | 6,016,000 | 8,307,000 |
| Interest expense | 672,000 | 1,435,000 | 2,272,000 | 3,232,000 |
| Net interest income | 1,152,000 | 2,423,000 | 3,744,000 | 5,075,000 |
| Noninterest income | 135,000 | 314,000 | 514,000 | 722,000 |
| Noninterest expense | 829,000 | 1,731,000 | 2,686,000 | 3,705,000 |
| Provision for loan losses | 91,000 | 184,000 | 273,000 | 373,000 |
| Pretax income | 367,000 | 822,000 | 1,299,000 | 1,719,000 |
| Income tax | 125,000 | 280,000 | 443,000 | 596,000 |
| Net income | 242,000 | 542,000 | 856,000 | 1,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,006,000 | 9,306,000 | 9,620,000 | 9,888,000 |
| Total capital | 9,893,000 | 10,267,000 | 10,655,000 | 10,930,000 |
| Risk-weighted assets | 70,977,000 | 76,883,000 | 82,774,000 | 85,521,000 |