Call reports 2005
CHELSEA SAVINGS BANK — 2005
What CHELSEA SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,380,000 | 76,816,000 | 75,405,000 | 76,509,000 |
| Total loans | 30,516,000 | 29,958,000 | 29,993,000 | 30,643,000 |
| Allowance for loan losses | 356,000 | 345,000 | 342,000 | 339,000 |
| Securities available for sale | 31,723,000 | 33,109,000 | 32,940,000 | 34,772,000 |
| Securities held to maturity | 10,424,000 | 8,593,000 | 8,590,000 | 8,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,599,000 | 57,390,000 | 55,102,000 | 58,591,000 |
| Interest-bearing deposits | 51,753,000 | 51,272,000 | 49,611,000 | 52,057,000 |
| Noninterest-bearing deposits | 5,845,000 | 6,118,000 | 5,490,000 | 6,534,000 |
| Equity capital | 10,742,000 | 11,217,000 | 11,318,000 | 10,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 907,000 | 1,919,000 | 2,920,000 | 3,954,000 |
| Interest expense | 279,000 | 575,000 | 909,000 | 1,265,000 |
| Net interest income | 628,000 | 1,344,000 | 2,011,000 | 2,689,000 |
| Noninterest income | 92,000 | 186,000 | 270,000 | 345,000 |
| Noninterest expense | 386,000 | 785,000 | 1,185,000 | 1,631,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 284,000 | 699,000 | 1,054,000 | 1,362,000 |
| Income tax | 0 | 0 | 0 | 88,000 |
| Net income | 284,000 | 699,000 | 1,054,000 | 1,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,208,000 | 11,325,000 | 11,526,000 | 11,546,000 |
| Total capital | 11,564,000 | 11,670,000 | 11,868,000 | 11,885,000 |
| Risk-weighted assets | 36,323,000 | 35,838,000 | 34,294,000 | 32,782,000 |
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