Call reports 2013
FIRST SENTINEL BANK — 2013
What FIRST SENTINEL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 168,561,000 | 173,101,000 | 167,236,000 | 166,386,000 |
| Total loans | 121,657,000 | 120,422,000 | 123,176,000 | 128,515,000 |
| Allowance for loan losses | 1,984,000 | 1,850,000 | 1,809,000 | 1,773,000 |
| Securities available for sale | 2,857,000 | 2,532,000 | 2,345,000 | 2,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,190,000 | 156,384,000 | 150,466,000 | 149,094,000 |
| Interest-bearing deposits | 127,502,000 | 130,181,000 | 128,114,000 | 127,637,000 |
| Noninterest-bearing deposits | 22,688,000 | 26,203,000 | 22,352,000 | 21,458,000 |
| Equity capital | 15,261,000 | 15,625,000 | 15,560,000 | 16,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,432,000 | 4,924,000 | 7,343,000 | 9,632,000 |
| Interest expense | 345,000 | 676,000 | 1,005,000 | 1,330,000 |
| Net interest income | 2,087,000 | 4,248,000 | 6,338,000 | 8,302,000 |
| Noninterest income | 378,000 | 779,000 | 1,194,000 | 1,555,000 |
| Noninterest expense | 1,613,000 | 3,355,000 | 4,950,000 | 6,468,000 |
| Provision for loan losses | 201,000 | 327,000 | 394,000 | 560,000 |
| Pretax income | 651,000 | 1,345,000 | 2,188,000 | 2,829,000 |
| Income tax | 228,000 | 469,000 | 766,000 | 896,000 |
| Net income | 423,000 | 876,000 | 1,422,000 | 1,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,169,000 | 15,547,000 | 15,494,000 | 16,005,000 |
| Total capital | 16,522,000 | 16,864,000 | 16,866,000 | 17,425,000 |
| Risk-weighted assets | 107,616,000 | 104,826,000 | 109,327,000 | 113,260,000 |
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