Call reports 2008
FIRST SENTINEL BANK — 2008
What FIRST SENTINEL BANK 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 | 143,853,000 | 144,974,000 | 143,719,000 | 148,781,000 |
| Total loans | 109,280,000 | 113,727,000 | 118,294,000 | 117,141,000 |
| Allowance for loan losses | 952,000 | 942,000 | 1,046,000 | 1,156,000 |
| Securities available for sale | 22,888,000 | 20,063,000 | 9,575,000 | 8,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,342,000 | 133,483,000 | 131,945,000 | 136,765,000 |
| Interest-bearing deposits | 119,275,000 | 117,369,000 | 115,494,000 | 121,505,000 |
| Noninterest-bearing deposits | 13,067,000 | 16,114,000 | 16,450,000 | 15,260,000 |
| Equity capital | 10,555,000 | 10,652,000 | 10,866,000 | 11,203,000 |
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 | 2,639,000 | 5,277,000 | 7,990,000 | 10,655,000 |
| Interest expense | 1,192,000 | 2,196,000 | 3,116,000 | 4,046,000 |
| Net interest income | 1,447,000 | 3,081,000 | 4,874,000 | 6,609,000 |
| Noninterest income | 162,000 | 267,000 | 525,000 | 803,000 |
| Noninterest expense | 1,168,000 | 2,434,000 | 3,775,000 | 5,056,000 |
| Provision for loan losses | 135,000 | 307,000 | 611,000 | 983,000 |
| Pretax income | 306,000 | 607,000 | 1,013,000 | 1,373,000 |
| Income tax | 104,000 | 206,000 | 345,000 | 456,000 |
| Net income | 202,000 | 401,000 | 668,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,379,000 | 10,578,000 | 10,759,000 | 11,007,000 |
| Total capital | 11,331,000 | 11,520,000 | 11,805,000 | 12,163,000 |
| Risk-weighted assets | 101,076,000 | 103,935,000 | 104,284,000 | 104,143,000 |