Call reports 2003
CHELSEA BANK — 2003
What CHELSEA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,617,000 | 40,702,000 | 41,060,000 | 39,615,000 |
| Total loans | 25,374,000 | 25,954,000 | 27,412,000 | 26,160,000 |
| Allowance for loan losses | 223,000 | 223,000 | 218,000 | 204,000 |
| Securities available for sale | 3,004,000 | 4,013,000 | 4,028,000 | 4,035,000 |
| Securities held to maturity | 2,855,000 | 2,930,000 | 2,929,000 | 3,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,203,000 | 35,347,000 | 35,785,000 | 34,440,000 |
| Interest-bearing deposits | 30,872,000 | 32,511,000 | 33,158,000 | 32,405,000 |
| Noninterest-bearing deposits | 3,331,000 | 2,836,000 | 2,627,000 | 2,035,000 |
| Equity capital | 3,511,000 | 3,598,000 | 3,642,000 | 3,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 511,000 | 1,015,000 | 1,446,000 | 1,919,000 |
| Interest expense | 151,000 | 298,000 | 427,000 | 544,000 |
| Net interest income | 360,000 | 717,000 | 1,019,000 | 1,375,000 |
| Noninterest income | 113,000 | 262,000 | 362,000 | 431,000 |
| Noninterest expense | 339,000 | 689,000 | 1,017,000 | 1,352,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 134,000 | 290,000 | 364,000 | 454,000 |
| Income tax | 55,000 | 119,000 | 149,000 | 186,000 |
| Net income | 79,000 | 171,000 | 215,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,472,000 | 3,555,000 | 3,599,000 | 3,644,000 |
| Total capital | 3,695,000 | 3,778,000 | 3,817,000 | 3,848,000 |
| Risk-weighted assets | 21,302,000 | 23,303,000 | 22,266,000 | 21,490,000 |
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