Call reports 2006
CHELSEA SAVINGS BANK — 2006
What CHELSEA SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 79,236,000 | 81,463,000 | 78,399,000 | 80,475,000 |
| Total loans | 32,707,000 | 36,411,000 | 33,706,000 | 35,256,000 |
| Allowance for loan losses | 226,000 | 281,000 | 284,000 | 284,000 |
| Securities available for sale | 34,312,000 | 32,883,000 | 32,397,000 | 39,408,000 |
| Securities held to maturity | 8,234,000 | 8,119,000 | 8,114,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,765,000 | 60,408,000 | 58,732,000 | 63,786,000 |
| Interest-bearing deposits | 51,906,000 | 54,094,000 | 52,848,000 | 56,685,000 |
| Noninterest-bearing deposits | 5,859,000 | 6,314,000 | 5,883,000 | 7,101,000 |
| Equity capital | 11,114,000 | 10,747,000 | 11,641,000 | 11,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,045,000 | 2,193,000 | 3,288,000 | 4,461,000 |
| Interest expense | 408,000 | 887,000 | 1,401,000 | 1,911,000 |
| Net interest income | 637,000 | 1,306,000 | 1,887,000 | 2,550,000 |
| Noninterest income | 80,000 | 203,000 | 284,000 | 363,000 |
| Noninterest expense | 377,000 | 826,000 | 1,220,000 | 1,789,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 60,000 |
| Pretax income | 340,000 | 633,000 | 905,000 | 1,117,000 |
| Income tax | 3,000 | 0 | 0 | 38,000 |
| Net income | 337,000 | 633,000 | 905,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,911,000 | 11,856,000 | 12,024,000 | 12,120,000 |
| Total capital | 12,137,000 | 12,137,000 | 12,308,000 | 12,404,000 |
| Risk-weighted assets | 37,320,000 | 40,689,000 | 38,085,000 | 39,518,000 |
Machine access — free, no API key
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