Call reports 2004
CHELSEA BANK — 2004
What CHELSEA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,329,000 | 41,901,000 | 42,860,000 | 42,188,000 |
| Total loans | 28,727,000 | 29,726,000 | 31,388,000 | 31,445,000 |
| Allowance for loan losses | 204,000 | 204,000 | 204,000 | 204,000 |
| Securities available for sale | 3,880,000 | 3,865,000 | 2,828,000 | 2,649,000 |
| Securities held to maturity | 3,901,000 | 3,976,000 | 4,051,000 | 4,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,245,000 | 36,809,000 | 35,799,000 | 35,321,000 |
| Interest-bearing deposits | 32,210,000 | 35,478,000 | 33,858,000 | 34,018,000 |
| Noninterest-bearing deposits | 2,035,000 | 1,331,000 | 1,941,000 | 1,303,000 |
| Equity capital | 3,729,000 | 3,786,000 | 3,853,000 | 3,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 960,000 | 1,466,000 | 1,982,000 |
| Interest expense | 104,000 | 215,000 | 328,000 | 452,000 |
| Net interest income | 359,000 | 745,000 | 1,138,000 | 1,530,000 |
| Noninterest income | 59,000 | 166,000 | 225,000 | 308,000 |
| Noninterest expense | 358,000 | 709,000 | 1,060,000 | 1,441,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 60,000 | 202,000 | 303,000 | 397,000 |
| Income tax | 24,000 | 82,000 | 123,000 | 161,000 |
| Net income | 36,000 | 120,000 | 180,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,687,000 | 3,742,000 | 3,811,000 | 3,860,000 |
| Total capital | 3,891,000 | 3,946,000 | 4,015,000 | 4,064,000 |
| Risk-weighted assets | 23,329,000 | 24,679,000 | 24,729,000 | 25,056,000 |
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