Call reports 2014
CHELSEA SAVINGS BANK — 2014
What CHELSEA SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 127,669,000 | 127,211,000 | 125,581,000 | 130,014,000 |
| Total loans | 45,109,000 | 42,396,000 | 41,259,000 | 42,432,000 |
| Allowance for loan losses | 454,000 | 456,000 | 441,000 | 441,000 |
| Securities available for sale | 75,848,000 | 76,484,000 | 77,062,000 | 81,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,309,000 | 108,530,000 | 102,890,000 | 103,990,000 |
| Interest-bearing deposits | 93,128,000 | 95,038,000 | 89,342,000 | 90,262,000 |
| Noninterest-bearing deposits | 15,181,000 | 13,492,000 | 13,548,000 | 13,728,000 |
| Equity capital | 16,687,000 | 18,097,000 | 18,948,000 | 19,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,348,000 | 3,509,000 | 4,667,000 |
| Interest expense | 198,000 | 388,000 | 557,000 | 722,000 |
| Net interest income | 999,000 | 1,960,000 | 2,952,000 | 3,945,000 |
| Noninterest income | 63,000 | 123,000 | 178,000 | 254,000 |
| Noninterest expense | 588,000 | 1,148,000 | 1,726,000 | 2,511,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 484,000 | 921,000 | 1,465,000 | 1,830,000 |
| Income tax | 0 | 35,000 | 70,000 | 80,000 |
| Net income | 484,000 | 886,000 | 1,395,000 | 1,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,653,000 | 18,662,000 | 18,976,000 | 19,134,000 |
| Total capital | 19,107,000 | 19,118,000 | 19,417,000 | 19,575,000 |
| Risk-weighted assets | 61,901,000 | 57,782,000 | 58,945,000 | 60,844,000 |