Call reports 2019
CHELSEA SAVINGS BANK — 2019
What CHELSEA SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 116,314,000 | 119,987,000 | 118,352,000 | 119,347,000 |
| Total loans | 52,813,000 | 55,470,000 | 52,437,000 | 51,926,000 |
| Allowance for loan losses | 432,000 | 432,000 | 439,000 | 413,000 |
| Securities available for sale | 52,267,000 | 53,487,000 | 53,000,000 | 48,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,288,000 | 99,127,000 | 98,411,000 | 99,233,000 |
| Interest-bearing deposits | 80,661,000 | 81,170,000 | 79,889,000 | 82,261,000 |
| Noninterest-bearing deposits | 17,627,000 | 17,957,000 | 18,522,000 | 16,972,000 |
| Equity capital | 16,986,000 | 18,114,000 | 18,807,000 | 19,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,185,000 | 2,396,000 | 3,596,000 | 4,758,000 |
| Interest expense | 172,000 | 325,000 | 488,000 | 656,000 |
| Net interest income | 1,013,000 | 2,071,000 | 3,108,000 | 4,102,000 |
| Noninterest income | 76,000 | 137,000 | 190,000 | 325,000 |
| Noninterest expense | 549,000 | 1,088,000 | 1,663,000 | 2,394,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 551,000 | 1,124,000 | 1,640,000 | 2,457,000 |
| Income tax | 23,000 | 52,000 | 79,000 | 96,000 |
| Net income | 528,000 | 1,072,000 | 1,561,000 | 2,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,258,000 | 17,383,000 | 17,614,000 | 18,181,000 |
| Total capital | 17,690,000 | 17,815,000 | 18,053,000 | 18,594,000 |
| Risk-weighted assets | 65,774,000 | 67,921,000 | 64,057,000 | 63,698,000 |