Call reports 2025
FIRST SENTINEL BANK — 2025
What FIRST SENTINEL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 396,653,000 | 396,899,000 | 404,473,000 | 403,830,000 |
| Total loans | 335,143,000 | 335,281,000 | 337,434,000 | 334,159,000 |
| Allowance for loan losses | 3,595,000 | 3,514,000 | 3,547,000 | 3,539,000 |
| Securities available for sale | 1,424,000 | 1,420,000 | 1,449,000 | 1,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,603,000 | 346,941,000 | 354,245,000 | 352,941,000 |
| Interest-bearing deposits | 296,693,000 | 295,510,000 | 301,569,000 | 300,084,000 |
| Noninterest-bearing deposits | 50,910,000 | 51,431,000 | 52,676,000 | 52,857,000 |
| Equity capital | 37,227,000 | 38,138,000 | 38,414,000 | 39,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,857,000 | 11,803,000 | 17,830,000 | 23,797,000 |
| Interest expense | 2,097,000 | 4,175,000 | 6,258,000 | 8,353,000 |
| Net interest income | 3,760,000 | 7,628,000 | 11,572,000 | 15,444,000 |
| Noninterest income | 700,000 | 1,345,000 | 2,043,000 | 2,753,000 |
| Noninterest expense | 2,882,000 | 5,715,000 | 8,633,000 | 11,512,000 |
| Provision for loan losses | 464,000 | 975,000 | 1,442,000 | 1,914,000 |
| Pretax income | 1,114,000 | 2,283,000 | 3,540,000 | 4,771,000 |
| Income tax | 253,000 | 518,000 | 801,000 | 1,091,000 |
| Net income | 861,000 | 1,765,000 | 2,739,000 | 3,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,450,000 | 38,354,000 | 38,593,000 | 39,531,000 |
| Total capital | 41,045,000 | 41,868,000 | 42,140,000 | 43,071,000 |
| Risk-weighted assets | 317,751,000 | 319,917,000 | 319,624,000 | 314,865,000 |