Call reports 2020
FIRST SENTINEL BANK — 2020
What FIRST SENTINEL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 297,029,000 | 320,064,000 | 315,075,000 | 318,851,000 |
| Total loans | 249,974,000 | 270,665,000 | 275,916,000 | 268,694,000 |
| Allowance for loan losses | 2,705,000 | 3,167,000 | 3,164,000 | 3,187,000 |
| Securities available for sale | 1,099,000 | 2,191,000 | 1,660,000 | 1,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,637,000 | 257,483,000 | 260,934,000 | 268,262,000 |
| Interest-bearing deposits | 221,602,000 | 218,274,000 | 220,558,000 | 227,408,000 |
| Noninterest-bearing deposits | 27,035,000 | 39,209,000 | 40,376,000 | 40,853,000 |
| Equity capital | 26,027,000 | 26,618,000 | 26,723,000 | 27,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,964,000 | 7,918,000 | 11,807,000 | 16,110,000 |
| Interest expense | 901,000 | 1,671,000 | 2,370,000 | 3,044,000 |
| Net interest income | 3,063,000 | 6,247,000 | 9,437,000 | 13,066,000 |
| Noninterest income | 434,000 | 795,000 | 1,204,000 | 1,451,000 |
| Noninterest expense | 2,180,000 | 4,401,000 | 6,732,000 | 8,847,000 |
| Provision for loan losses | 521,000 | 1,049,000 | 1,584,000 | 2,108,000 |
| Pretax income | 796,000 | 1,592,000 | 2,325,000 | 3,562,000 |
| Income tax | 183,000 | 366,000 | 520,000 | 768,000 |
| Net income | 613,000 | 1,226,000 | 1,805,000 | 2,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,027,000 | 26,571,000 | 26,676,000 | 27,605,000 |
| Total capital | 28,732,000 | 29,545,000 | 29,840,000 | 30,625,000 |
| Risk-weighted assets | 232,169,000 | 237,704,000 | 256,318,000 | 241,443,000 |