Call reports 2025
CHELSEA SAVINGS BANK — 2025
What CHELSEA SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 190,850,000 | 192,833,000 | 197,180,000 | 199,649,000 |
| Total loans | 74,548,000 | 78,834,000 | 81,491,000 | 83,127,000 |
| Allowance for loan losses | 567,000 | 589,000 | 589,000 | 590,000 |
| Securities available for sale | 105,190,000 | 102,764,000 | 103,378,000 | 101,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,185,000 | 173,829,000 | 171,141,000 | 176,859,000 |
| Interest-bearing deposits | 136,147,000 | 138,742,000 | 139,590,000 | 140,335,000 |
| Noninterest-bearing deposits | 34,038,000 | 35,087,000 | 31,551,000 | 36,524,000 |
| Equity capital | 18,816,000 | 18,088,000 | 20,811,000 | 21,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,161,000 | 4,516,000 | 6,837,000 | 9,205,000 |
| Interest expense | 723,000 | 1,455,000 | 2,198,000 | 2,948,000 |
| Net interest income | 1,438,000 | 3,061,000 | 4,639,000 | 6,257,000 |
| Noninterest income | 67,000 | 129,000 | 190,000 | 361,000 |
| Noninterest expense | 826,000 | 1,607,000 | 2,388,000 | 3,349,000 |
| Provision for loan losses | 22,000 | 44,000 | 44,000 | 44,000 |
| Pretax income | 657,000 | 1,539,000 | 2,397,000 | 3,225,000 |
| Income tax | 45,000 | 104,000 | 160,000 | 142,000 |
| Net income | 612,000 | 1,435,000 | 2,237,000 | 3,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,207,000 | 31,577,000 | 32,179,000 | 32,805,000 |