Call reports 2013
CHELSEA SAVINGS BANK — 2013
What CHELSEA SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 122,770,000 | 119,657,000 | 117,992,000 | 124,160,000 |
| Total loans | 43,615,000 | 43,402,000 | 44,019,000 | 45,794,000 |
| Allowance for loan losses | 538,000 | 541,000 | 541,000 | 527,000 |
| Securities available for sale | 65,045,000 | 69,962,000 | 66,941,000 | 69,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,077,000 | 97,901,000 | 100,234,000 | 106,899,000 |
| Interest-bearing deposits | 85,550,000 | 84,905,000 | 85,717,000 | 91,696,000 |
| Noninterest-bearing deposits | 15,527,000 | 12,996,000 | 14,517,000 | 15,203,000 |
| Equity capital | 19,033,000 | 16,332,000 | 15,066,000 | 14,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,083,000 | 2,199,000 | 3,352,000 | 4,579,000 |
| Interest expense | 202,000 | 399,000 | 603,000 | 812,000 |
| Net interest income | 881,000 | 1,800,000 | 2,749,000 | 3,767,000 |
| Noninterest income | 63,000 | 107,000 | 167,000 | 250,000 |
| Noninterest expense | 567,000 | 1,104,000 | 1,661,000 | 2,501,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 406,000 | 832,000 | 1,366,000 | 1,627,000 |
| Income tax | 27,000 | 41,000 | 68,000 | 86,000 |
| Net income | 379,000 | 791,000 | 1,298,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,735,000 | 17,782,000 | 18,107,000 | 18,169,000 |
| Total capital | 18,273,000 | 18,323,000 | 18,648,000 | 18,696,000 |
| Risk-weighted assets | 55,055,000 | 57,231,000 | 57,523,000 | 61,842,000 |