Call reports 2008
CHELSEA SAVINGS BANK — 2008
What CHELSEA SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 80,427,000 | 84,798,000 | 86,944,000 | 89,743,000 |
| Total loans | 34,946,000 | 36,600,000 | 37,294,000 | 38,539,000 |
| Allowance for loan losses | 287,000 | 289,000 | 287,000 | 296,000 |
| Securities available for sale | 34,569,000 | 42,418,000 | 45,824,000 | 46,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,537,000 | 68,969,000 | 68,861,000 | 70,160,000 |
| Interest-bearing deposits | 57,062,000 | 48,723,000 | 58,321,000 | 58,929,000 |
| Noninterest-bearing deposits | 7,475,000 | 20,246,000 | 10,540,000 | 11,231,000 |
| Equity capital | 13,369,000 | 13,334,000 | 12,580,000 | 13,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,192,000 | 2,342,000 | 3,573,000 | 4,919,000 |
| Interest expense | 485,000 | 937,000 | 1,349,000 | 1,769,000 |
| Net interest income | 707,000 | 1,405,000 | 2,224,000 | 3,150,000 |
| Noninterest income | 82,000 | 160,000 | 246,000 | 351,000 |
| Noninterest expense | 425,000 | 913,000 | 1,343,000 | 1,958,000 |
| Provision for loan losses | 15,000 | 0 | 0 | 0 |
| Pretax income | 381,000 | 684,000 | 1,202,000 | 1,615,000 |
| Income tax | 13,000 | 29,000 | 46,000 | 62,000 |
| Net income | 368,000 | 655,000 | 1,156,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,035,000 | 12,999,000 | 13,235,000 | 13,311,000 |
| Total capital | 13,322,000 | 13,288,000 | 13,522,000 | 13,607,000 |
| Risk-weighted assets | 37,064,000 | 39,116,000 | 39,584,000 | 46,142,000 |
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