Call reports 2018
CHELSEA SAVINGS BANK — 2018
What CHELSEA SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 119,351,000 | 115,185,000 | 119,322,000 | 117,283,000 |
| Total loans | 50,621,000 | 51,601,000 | 57,264,000 | 56,796,000 |
| Allowance for loan losses | 431,000 | 431,000 | 431,000 | 432,000 |
| Securities available for sale | 57,676,000 | 54,363,000 | 50,701,000 | 51,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,122,000 | 97,850,000 | 99,352,000 | 100,382,000 |
| Interest-bearing deposits | 80,035,000 | 81,453,000 | 78,027,000 | 79,335,000 |
| Noninterest-bearing deposits | 16,087,000 | 16,396,000 | 21,325,000 | 21,047,000 |
| Equity capital | 22,146,000 | 15,399,000 | 15,261,000 | 15,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,070,000 | 2,197,000 | 3,384,000 | 4,603,000 |
| Interest expense | 143,000 | 280,000 | 444,000 | 592,000 |
| Net interest income | 927,000 | 1,917,000 | 2,940,000 | 4,011,000 |
| Noninterest income | 81,000 | 163,000 | 240,000 | 311,000 |
| Noninterest expense | 579,000 | 1,200,000 | 1,795,000 | 2,492,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 438,000 | 889,000 | 1,405,000 | 1,850,000 |
| Income tax | 24,000 | 47,000 | 70,000 | 93,000 |
| Net income | 414,000 | 842,000 | 1,335,000 | 1,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,937,000 | 16,236,000 | 16,519,000 | 16,731,000 |
| Total capital | 23,368,000 | 16,667,000 | 16,950,000 | 17,163,000 |
| Risk-weighted assets | 65,586,000 | 64,533,000 | 70,521,000 | 69,166,000 |