Call reports 2015
CHELSEA SAVINGS BANK — 2015
What CHELSEA SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 120,024,000 | 120,108,000 | 120,970,000 | 125,042,000 |
| Total loans | 42,577,000 | 44,137,000 | 45,288,000 | 45,377,000 |
| Allowance for loan losses | 442,000 | 438,000 | 438,000 | 441,000 |
| Securities available for sale | 70,220,000 | 68,300,000 | 67,087,000 | 66,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,395,000 | 98,548,000 | 95,862,000 | 102,555,000 |
| Interest-bearing deposits | 84,202,000 | 85,984,000 | 83,149,000 | 86,964,000 |
| Noninterest-bearing deposits | 13,193,000 | 12,564,000 | 12,713,000 | 15,591,000 |
| Equity capital | 20,867,000 | 19,943,000 | 20,331,000 | 20,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,135,000 | 2,192,000 | 3,296,000 | 4,400,000 |
| Interest expense | 150,000 | 293,000 | 438,000 | 581,000 |
| Net interest income | 985,000 | 1,899,000 | 2,858,000 | 3,819,000 |
| Noninterest income | 53,000 | 189,000 | 298,000 | 476,000 |
| Noninterest expense | 562,000 | 1,167,000 | 1,709,000 | 2,395,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 612,000 | 1,085,000 | 1,614,000 | 2,059,000 |
| Income tax | 0 | 30,000 | 75,000 | 105,000 |
| Net income | 612,000 | 1,055,000 | 1,539,000 | 1,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,746,000 | 19,797,000 | 20,086,000 | 20,304,000 |
| Total capital | 20,188,000 | 20,235,000 | 20,524,000 | 20,745,000 |
| Risk-weighted assets | 58,362,000 | 61,280,000 | 62,191,000 | 61,443,000 |