Call reports 2009
FIRST SENTINEL BANK — 2009
What FIRST SENTINEL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 161,459,000 | 158,329,000 | 164,607,000 | 166,433,000 |
| Total loans | 120,172,000 | 124,014,000 | 126,654,000 | 128,799,000 |
| Allowance for loan losses | 1,209,000 | 1,223,000 | 1,339,000 | 1,417,000 |
| Securities available for sale | 15,397,000 | 13,532,000 | 14,859,000 | 14,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,568,000 | 144,377,000 | 150,233,000 | 152,055,000 |
| Interest-bearing deposits | 131,986,000 | 130,096,000 | 136,568,000 | 136,432,000 |
| Noninterest-bearing deposits | 15,582,000 | 14,281,000 | 13,665,000 | 15,623,000 |
| Equity capital | 12,892,000 | 13,153,000 | 13,573,000 | 13,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,614,000 | 5,367,000 | 8,117,000 | 10,880,000 |
| Interest expense | 923,000 | 1,796,000 | 2,621,000 | 3,430,000 |
| Net interest income | 1,691,000 | 3,571,000 | 5,496,000 | 7,450,000 |
| Noninterest income | 299,000 | 642,000 | 1,013,000 | 1,380,000 |
| Noninterest expense | 1,278,000 | 2,686,000 | 4,041,000 | 5,583,000 |
| Provision for loan losses | 263,000 | 629,000 | 1,038,000 | 1,425,000 |
| Pretax income | 449,000 | 898,000 | 1,430,000 | 1,822,000 |
| Income tax | 155,000 | 310,000 | 493,000 | 633,000 |
| Net income | 294,000 | 588,000 | 937,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,719,000 | 13,014,000 | 13,366,000 | 13,618,000 |
| Total capital | 13,928,000 | 14,237,000 | 14,705,000 | 15,035,000 |
| Risk-weighted assets | 109,365,000 | 111,792,000 | 114,561,000 | 118,137,000 |
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