Call reports 2011
CHELSEA SAVINGS BANK — 2011
What CHELSEA SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 98,157,000 | 103,407,000 | 107,327,000 | 111,707,000 |
| Total loans | 39,052,000 | 39,931,000 | 42,766,000 | 41,317,000 |
| Allowance for loan losses | 386,000 | 296,000 | 296,000 | 297,000 |
| Securities available for sale | 52,591,000 | 56,361,000 | 56,422,000 | 57,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,472,000 | 84,368,000 | 84,078,000 | 91,219,000 |
| Interest-bearing deposits | 70,167,000 | 73,955,000 | 73,381,000 | 75,600,000 |
| Noninterest-bearing deposits | 10,305,000 | 10,413,000 | 10,697,000 | 15,619,000 |
| Equity capital | 15,024,000 | 16,312,000 | 17,716,000 | 17,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,082,000 | 2,180,000 | 3,290,000 | 4,443,000 |
| Interest expense | 255,000 | 509,000 | 772,000 | 1,007,000 |
| Net interest income | 827,000 | 1,671,000 | 2,518,000 | 3,436,000 |
| Noninterest income | 84,000 | 184,000 | 279,000 | 415,000 |
| Noninterest expense | 562,000 | 1,072,000 | 1,570,000 | 2,285,000 |
| Provision for loan losses | 55,000 | 55,000 | 55,000 | 55,000 |
| Pretax income | 419,000 | 925,000 | 1,664,000 | 2,279,000 |
| Income tax | 23,000 | 47,000 | 122,000 | 139,000 |
| Net income | 396,000 | 878,000 | 1,542,000 | 2,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,421,000 | 15,560,000 | 16,014,000 | 16,332,000 |
| Total capital | 15,807,000 | 15,856,000 | 16,310,000 | 16,629,000 |
| Risk-weighted assets | 49,818,000 | 50,949,000 | 53,429,000 | 52,367,000 |