Call reports 2003
CHELSEA SAVINGS BANK — 2003
What CHELSEA SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,341,000 | 70,392,000 | 74,778,000 | 75,902,000 |
| Total loans | 30,058,000 | 30,517,000 | 31,251,000 | 30,874,000 |
| Allowance for loan losses | 333,000 | 331,000 | 328,000 | 333,000 |
| Securities available for sale | 25,772,000 | 28,119,000 | 29,784,000 | 31,714,000 |
| Securities held to maturity | 9,623,000 | 9,421,000 | 9,712,000 | 9,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,042,000 | 56,452,000 | 54,482,000 | 57,254,000 |
| Interest-bearing deposits | 49,825,000 | 50,493,000 | 49,243,000 | 51,692,000 |
| Noninterest-bearing deposits | 5,217,000 | 5,959,000 | 5,239,000 | 5,562,000 |
| Equity capital | 10,071,000 | 10,485,000 | 9,954,000 | 10,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,044,000 | 3,142,000 | 4,147,000 |
| Interest expense | 283,000 | 582,000 | 869,000 | 1,147,000 |
| Net interest income | 748,000 | 1,462,000 | 2,273,000 | 3,000,000 |
| Noninterest income | 82,000 | 170,000 | 327,000 | 361,000 |
| Noninterest expense | 359,000 | 686,000 | 1,101,000 | 1,544,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 639,000 | 1,138,000 | 1,724,000 | 2,042,000 |
| Income tax | 0 | 35,000 | 62,000 | 107,000 |
| Net income | 639,000 | 1,103,000 | 1,662,000 | 1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,673,000 | 9,622,000 | 9,869,000 | 9,963,000 |
| Total capital | 10,006,000 | 9,953,000 | 10,196,000 | 10,296,000 |
| Risk-weighted assets | 33,324,000 | 34,145,000 | 35,193,000 | 35,204,000 |
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