Call reports 2010
CHELSEA SAVINGS BANK — 2010
What CHELSEA SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 98,500,000 | 95,912,000 | 92,662,000 | 96,022,000 |
| Total loans | 38,671,000 | 38,614,000 | 38,850,000 | 38,374,000 |
| Allowance for loan losses | 337,000 | 305,000 | 311,000 | 330,000 |
| Securities available for sale | 54,550,000 | 48,310,000 | 40,525,000 | 43,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,394,000 | 77,033,000 | 73,697,000 | 79,173,000 |
| Interest-bearing deposits | 70,026,000 | 67,792,000 | 64,179,000 | 68,905,000 |
| Noninterest-bearing deposits | 9,368,000 | 9,241,000 | 9,518,000 | 10,269,000 |
| Equity capital | 15,171,000 | 16,133,000 | 16,245,000 | 14,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,077,000 | 2,351,000 | 3,391,000 | 4,403,000 |
| Interest expense | 305,000 | 582,000 | 850,000 | 1,113,000 |
| Net interest income | 772,000 | 1,769,000 | 2,541,000 | 3,290,000 |
| Noninterest income | 79,000 | 159,000 | 246,000 | 353,000 |
| Noninterest expense | 404,000 | 872,000 | 1,345,000 | 2,028,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 468,000 | 1,155,000 | 1,719,000 | 2,140,000 |
| Income tax | 16,000 | 43,000 | 67,000 | 90,000 |
| Net income | 452,000 | 1,112,000 | 1,652,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,372,000 | 14,577,000 | 14,873,000 | 15,025,000 |
| Total capital | 14,709,000 | 14,882,000 | 15,184,000 | 15,355,000 |
| Risk-weighted assets | 51,261,000 | 49,291,000 | 50,008,000 | 50,043,000 |