Call reports 2009
CHELSEA SAVINGS BANK — 2009
What CHELSEA SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 90,068,000 | 97,335,000 | 103,020,000 | 101,707,000 |
| Total loans | 38,422,000 | 38,409,000 | 37,678,000 | 39,047,000 |
| Allowance for loan losses | 343,000 | 343,000 | 337,000 | 337,000 |
| Securities available for sale | 41,711,000 | 42,396,000 | 51,263,000 | 54,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,734,000 | 81,312,000 | 85,773,000 | 85,169,000 |
| Interest-bearing deposits | 51,840,000 | 72,969,000 | 76,344,000 | 74,907,000 |
| Noninterest-bearing deposits | 21,894,000 | 8,343,000 | 9,429,000 | 10,262,000 |
| Equity capital | 13,665,000 | 13,329,000 | 14,507,000 | 13,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,257,000 | 3,477,000 | 4,465,000 |
| Interest expense | 386,000 | 758,000 | 1,125,000 | 1,481,000 |
| Net interest income | 692,000 | 1,499,000 | 2,352,000 | 2,984,000 |
| Noninterest income | 73,000 | 150,000 | 236,000 | 347,000 |
| Noninterest expense | 512,000 | 869,000 | 1,358,000 | 1,979,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 345,000 | 822,000 | 1,272,000 | 1,433,000 |
| Income tax | 16,000 | 32,000 | 49,000 | 95,000 |
| Net income | 329,000 | 790,000 | 1,223,000 | 1,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,755,000 | 13,831,000 | 14,015,000 | 13,920,000 |
| Total capital | 13,755,000 | 14,174,000 | 14,015,000 | 13,920,000 |
| Risk-weighted assets | 46,629,000 | 47,415,000 | 47,243,000 | 49,364,000 |