Call reports 2007
CHELSEA SAVINGS BANK — 2007
What CHELSEA SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,387,000 | 79,035,000 | 80,393,000 | 78,958,000 |
| Total loans | 34,951,000 | 35,197,000 | 35,864,000 | 36,141,000 |
| Allowance for loan losses | 285,000 | 281,000 | 286,000 | 287,000 |
| Securities available for sale | 39,834,000 | 40,109,000 | 40,922,000 | 36,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,349,000 | 63,032,000 | 60,105,000 | 63,340,000 |
| Interest-bearing deposits | 55,915,000 | 56,582,000 | 53,851,000 | 56,618,000 |
| Noninterest-bearing deposits | 6,434,000 | 6,450,000 | 6,254,000 | 6,722,000 |
| Equity capital | 12,182,000 | 11,592,000 | 12,340,000 | 12,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,389,000 | 3,618,000 | 4,869,000 |
| Interest expense | 517,000 | 1,042,000 | 1,599,000 | 2,137,000 |
| Net interest income | 658,000 | 1,347,000 | 2,019,000 | 2,732,000 |
| Noninterest income | 82,000 | 157,000 | 237,000 | 349,000 |
| Noninterest expense | 416,000 | 823,000 | 1,227,000 | 1,774,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 302,000 | 659,000 | 1,005,000 | 1,306,000 |
| Income tax | 12,000 | 26,000 | 39,000 | 58,000 |
| Net income | 290,000 | 633,000 | 966,000 | 1,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,409,000 | 12,432,000 | 12,576,000 | 12,667,000 |
| Total capital | 12,694,000 | 12,713,000 | 12,862,000 | 12,954,000 |
| Risk-weighted assets | 40,082,000 | 40,078,000 | 40,156,000 | 37,744,000 |
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