Call reports 2004
CHELSEA SAVINGS BANK — 2004
What CHELSEA SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 74,815,000 | 75,507,000 | 73,227,000 | 76,560,000 |
| Total loans | 29,973,000 | 30,939,000 | 31,943,000 | 31,070,000 |
| Allowance for loan losses | 334,000 | 300,000 | 303,000 | 294,000 |
| Securities available for sale | 29,579,000 | 30,992,000 | 28,940,000 | 28,579,000 |
| Securities held to maturity | 9,550,000 | 9,668,000 | 9,506,000 | 11,632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,858,000 | 58,102,000 | 55,177,000 | 58,643,000 |
| Interest-bearing deposits | 51,143,000 | 52,397,000 | 49,771,000 | 52,394,000 |
| Noninterest-bearing deposits | 5,715,000 | 5,705,000 | 5,406,000 | 6,249,000 |
| Equity capital | 10,782,000 | 9,882,000 | 10,772,000 | 10,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,058,000 | 2,082,000 | 3,104,000 | 4,116,000 |
| Interest expense | 272,000 | 544,000 | 818,000 | 1,099,000 |
| Net interest income | 786,000 | 1,538,000 | 2,286,000 | 3,017,000 |
| Noninterest income | 121,000 | 213,000 | 298,000 | 388,000 |
| Noninterest expense | 361,000 | 733,000 | 1,094,000 | 1,561,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 552,000 | 1,023,000 | 1,497,000 | 1,851,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 90,000 |
| Net income | 507,000 | 933,000 | 1,362,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,226,000 | 10,465,000 | 10,653,000 | 10,925,000 |
| Total capital | 10,560,000 | 10,765,000 | 10,956,000 | 11,219,000 |
| Risk-weighted assets | 33,475,000 | 34,549,000 | 35,017,000 | 35,054,000 |
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