Call reports 2007
FIRST SENTINEL BANK — 2007
What FIRST SENTINEL BANK 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 | 128,154,000 | 133,285,000 | 134,831,000 | 138,059,000 |
| Total loans | 97,764,000 | 101,936,000 | 105,847,000 | 106,592,000 |
| Allowance for loan losses | 1,111,000 | 1,149,000 | 1,095,000 | 856,000 |
| Securities available for sale | 18,651,000 | 20,090,000 | 18,206,000 | 16,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,777,000 | 121,753,000 | 123,693,000 | 126,620,000 |
| Interest-bearing deposits | 103,005,000 | 109,117,000 | 111,415,000 | 115,279,000 |
| Noninterest-bearing deposits | 13,772,000 | 12,636,000 | 12,278,000 | 11,340,000 |
| Equity capital | 9,856,000 | 10,086,000 | 10,379,000 | 10,579,000 |
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 | 2,434,000 | 5,030,000 | 7,727,000 | 10,436,000 |
| Interest expense | 1,078,000 | 2,241,000 | 3,478,000 | 4,715,000 |
| Net interest income | 1,356,000 | 2,789,000 | 4,249,000 | 5,721,000 |
| Noninterest income | 171,000 | 421,000 | 666,000 | 936,000 |
| Noninterest expense | 1,030,000 | 2,167,000 | 3,282,000 | 4,463,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 709,000 |
| Pretax income | 377,000 | 803,000 | 1,273,000 | 1,485,000 |
| Income tax | 128,000 | 274,000 | 434,000 | 511,000 |
| Net income | 249,000 | 529,000 | 839,000 | 974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,838,000 | 10,118,000 | 10,338,000 | 10,473,000 |
| Total capital | 10,949,000 | 11,267,000 | 11,433,000 | 11,329,000 |
| Risk-weighted assets | 89,509,000 | 96,177,000 | 98,369,000 | 99,034,000 |