Call reports 2016
CHELSEA SAVINGS BANK — 2016
What CHELSEA SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 123,483,000 | 124,688,000 | 124,695,000 | 124,727,000 |
| Total loans | 44,797,000 | 48,283,000 | 49,796,000 | 50,176,000 |
| Allowance for loan losses | 439,000 | 440,000 | 431,000 | 438,000 |
| Securities available for sale | 70,989,000 | 67,906,000 | 65,553,000 | 64,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,928,000 | 98,672,000 | 96,032,000 | 102,500,000 |
| Interest-bearing deposits | 80,757,000 | 83,856,000 | 80,473,000 | 87,526,000 |
| Noninterest-bearing deposits | 16,171,000 | 14,816,000 | 15,559,000 | 14,974,000 |
| Equity capital | 21,935,000 | 22,737,000 | 22,894,000 | 20,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,185,000 | 3,312,000 | 4,443,000 |
| Interest expense | 157,000 | 289,000 | 427,000 | 561,000 |
| Net interest income | 921,000 | 1,896,000 | 2,885,000 | 3,882,000 |
| Noninterest income | 99,000 | 197,000 | 294,000 | 421,000 |
| Noninterest expense | 514,000 | 1,046,000 | 1,585,000 | 2,343,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 542,000 | 1,157,000 | 1,803,000 | 2,155,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 120,000 |
| Net income | 512,000 | 1,097,000 | 1,713,000 | 2,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,816,000 | 20,981,000 | 21,387,000 | 21,499,000 |
| Total capital | 21,255,000 | 21,421,000 | 21,818,000 | 21,937,000 |
| Risk-weighted assets | 62,259,000 | 63,812,000 | 64,896,000 | 66,003,000 |