Call reports 2002
CHELSEA SAVINGS BANK — 2002
What CHELSEA SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 64,672,000 | 64,297,000 | 62,442,000 | 66,806,000 |
| Total loans | 28,577,000 | 28,342,000 | 28,677,000 | 29,248,000 |
| Allowance for loan losses | 340,000 | 337,000 | 396,000 | 342,000 |
| Securities available for sale | 21,749,000 | 21,607,000 | 19,861,000 | 24,374,000 |
| Securities held to maturity | 9,906,000 | 9,898,000 | 9,589,000 | 9,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,547,000 | 50,654,000 | 49,695,000 | 53,702,000 |
| Interest-bearing deposits | 46,255,000 | 46,464,000 | 45,198,000 | 48,788,000 |
| Noninterest-bearing deposits | 4,292,000 | 4,190,000 | 4,496,000 | 4,914,000 |
| Equity capital | 8,492,000 | 8,848,000 | 9,456,000 | 9,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,020,000 | 2,004,000 | 3,022,000 | 3,965,000 |
| Interest expense | 389,000 | 748,000 | 1,081,000 | 1,378,000 |
| Net interest income | 631,000 | 1,256,000 | 1,941,000 | 2,587,000 |
| Noninterest income | 98,000 | 191,000 | 258,000 | 348,000 |
| Noninterest expense | 320,000 | 646,000 | 964,000 | 1,445,000 |
| Provision for loan losses | 0 | 465,000 | 510,000 | 510,000 |
| Pretax income | 431,000 | 371,000 | 813,000 | 1,069,000 |
| Income tax | 16,000 | 33,000 | 50,000 | 56,000 |
| Net income | 415,000 | 338,000 | 763,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,745,000 | 8,452,000 | 8,834,000 | 9,033,000 |
| Total capital | 9,085,000 | 8,789,000 | 9,230,000 | 9,375,000 |
| Risk-weighted assets | 33,194,000 | 32,057,000 | 31,826,000 | 32,629,000 |
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