Call reports 2014
FIRST SENTINEL BANK — 2014
What FIRST SENTINEL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 168,554,000 | 174,546,000 | 167,568,000 | 173,783,000 |
| Total loans | 129,243,000 | 130,443,000 | 136,904,000 | 141,373,000 |
| Allowance for loan losses | 1,787,000 | 1,756,000 | 1,900,000 | 1,998,000 |
| Securities available for sale | 2,086,000 | 1,970,000 | 1,856,000 | 1,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,183,000 | 151,042,000 | 143,978,000 | 148,510,000 |
| Interest-bearing deposits | 127,836,000 | 125,006,000 | 121,010,000 | 124,085,000 |
| Noninterest-bearing deposits | 23,347,000 | 26,037,000 | 22,968,000 | 24,425,000 |
| Equity capital | 16,214,000 | 16,617,000 | 16,770,000 | 17,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,313,000 | 4,575,000 | 6,885,000 | 9,256,000 |
| Interest expense | 300,000 | 590,000 | 867,000 | 1,127,000 |
| Net interest income | 2,013,000 | 3,985,000 | 6,018,000 | 8,129,000 |
| Noninterest income | 369,000 | 724,000 | 1,199,000 | 1,601,000 |
| Noninterest expense | 1,540,000 | 3,054,000 | 4,638,000 | 6,006,000 |
| Provision for loan losses | 214,000 | 403,000 | 656,000 | 1,076,000 |
| Pretax income | 628,000 | 1,252,000 | 1,923,000 | 2,648,000 |
| Income tax | 220,000 | 439,000 | 674,000 | 855,000 |
| Net income | 408,000 | 813,000 | 1,249,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,153,000 | 16,558,000 | 16,717,000 | 17,261,000 |
| Total capital | 17,578,000 | 17,986,000 | 18,192,000 | 18,814,000 |
| Risk-weighted assets | 113,631,000 | 113,889,000 | 117,582,000 | 123,789,000 |