Call reports 2016
FIRST SENTINEL BANK — 2016
What FIRST SENTINEL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 188,676,000 | 191,461,000 | 195,313,000 | 205,604,000 |
| Total loans | 152,990,000 | 156,679,000 | 161,305,000 | 167,773,000 |
| Allowance for loan losses | 2,474,000 | 2,484,000 | 2,530,000 | 2,546,000 |
| Securities available for sale | 781,000 | 730,000 | 695,000 | 650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,751,000 | 166,256,000 | 169,982,000 | 174,924,000 |
| Interest-bearing deposits | 137,806,000 | 139,200,000 | 141,126,000 | 149,240,000 |
| Noninterest-bearing deposits | 25,945,000 | 27,056,000 | 28,856,000 | 25,685,000 |
| Equity capital | 18,560,000 | 18,956,000 | 19,145,000 | 19,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,428,000 | 4,902,000 | 7,467,000 | 10,006,000 |
| Interest expense | 251,000 | 520,000 | 802,000 | 1,094,000 |
| Net interest income | 2,177,000 | 4,382,000 | 6,665,000 | 8,912,000 |
| Noninterest income | 370,000 | 802,000 | 1,294,000 | 1,753,000 |
| Noninterest expense | 1,649,000 | 3,331,000 | 5,120,000 | 6,807,000 |
| Provision for loan losses | 201,000 | 395,000 | 572,000 | 746,000 |
| Pretax income | 697,000 | 1,458,000 | 2,267,000 | 3,112,000 |
| Income tax | 230,000 | 482,000 | 751,000 | 1,018,000 |
| Net income | 467,000 | 976,000 | 1,516,000 | 2,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,560,000 | 18,956,000 | 19,145,000 | 19,706,000 |
| Total capital | 20,156,000 | 20,618,000 | 20,871,000 | 21,514,000 |
| Risk-weighted assets | 126,811,000 | 132,143,000 | 137,246,000 | 143,871,000 |