Call reports 2015
FIRST SENTINEL BANK — 2015
What FIRST SENTINEL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 180,309,000 | 181,864,000 | 187,115,000 | 183,850,000 |
| Total loans | 141,713,000 | 144,171,000 | 147,974,000 | 149,935,000 |
| Allowance for loan losses | 2,029,000 | 2,178,000 | 2,318,000 | 2,382,000 |
| Securities available for sale | 1,649,000 | 1,536,000 | 1,402,000 | 837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,742,000 | 157,290,000 | 162,402,000 | 158,990,000 |
| Interest-bearing deposits | 128,348,000 | 128,385,000 | 130,038,000 | 130,516,000 |
| Noninterest-bearing deposits | 26,394,000 | 28,905,000 | 32,363,000 | 28,474,000 |
| Equity capital | 17,459,000 | 17,836,000 | 18,007,000 | 18,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,355,000 | 4,687,000 | 7,080,000 | 9,467,000 |
| Interest expense | 257,000 | 520,000 | 771,000 | 1,027,000 |
| Net interest income | 2,098,000 | 4,167,000 | 6,309,000 | 8,440,000 |
| Noninterest income | 379,000 | 712,000 | 1,154,000 | 1,484,000 |
| Noninterest expense | 1,589,000 | 3,213,000 | 4,872,000 | 6,436,000 |
| Provision for loan losses | 220,000 | 425,000 | 648,000 | 839,000 |
| Pretax income | 668,000 | 1,241,000 | 1,943,000 | 2,649,000 |
| Income tax | 221,000 | 409,000 | 641,000 | 910,000 |
| Net income | 447,000 | 832,000 | 1,302,000 | 1,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,414,000 | 17,799,000 | 18,007,000 | 18,388,000 |
| Total capital | 18,998,000 | 19,260,000 | 19,501,000 | 19,928,000 |
| Risk-weighted assets | 126,255,000 | 116,171,000 | 118,717,000 | 122,322,000 |