Call reports 2012
CHELSEA SAVINGS BANK — 2012
What CHELSEA SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 113,551,000 | 118,267,000 | 117,532,000 | 118,410,000 |
| Total loans | 42,301,000 | 44,096,000 | 43,763,000 | 44,347,000 |
| Allowance for loan losses | 322,000 | 398,000 | 462,000 | 537,000 |
| Securities available for sale | 63,207,000 | 62,690,000 | 65,902,000 | 69,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,455,000 | 96,642,000 | 93,338,000 | 93,264,000 |
| Interest-bearing deposits | 79,988,000 | 84,510,000 | 81,208,000 | 79,529,000 |
| Noninterest-bearing deposits | 12,467,000 | 12,132,000 | 12,130,000 | 13,735,000 |
| Equity capital | 18,377,000 | 18,839,000 | 19,131,000 | 18,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,058,000 | 2,148,000 | 3,277,000 | 4,400,000 |
| Interest expense | 232,000 | 463,000 | 689,000 | 905,000 |
| Net interest income | 826,000 | 1,685,000 | 2,588,000 | 3,495,000 |
| Noninterest income | 99,000 | 118,000 | 173,000 | 295,000 |
| Noninterest expense | 523,000 | 1,051,000 | 1,585,000 | 2,298,000 |
| Provision for loan losses | 25,000 | 100,000 | 175,000 | 250,000 |
| Pretax income | 458,000 | 1,075,000 | 1,540,000 | 1,958,000 |
| Income tax | 23,000 | 48,000 | 75,000 | 102,000 |
| Net income | 435,000 | 1,027,000 | 1,465,000 | 1,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,768,000 | 17,017,000 | 17,244,000 | 17,357,000 |
| Total capital | 17,090,000 | 17,415,000 | 17,706,000 | 17,894,000 |
| Risk-weighted assets | 53,624,000 | 54,537,000 | 56,633,000 | 56,648,000 |