Call reports 2007
CHELSEA BANK — 2007
What CHELSEA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 44,691,000 | 44,936,000 | 42,370,000 | 44,909,000 |
| Total loans | 34,589,000 | 33,674,000 | 34,036,000 | 34,642,000 |
| Allowance for loan losses | 213,000 | 213,000 | 216,000 | 216,000 |
| Securities available for sale | 549,000 | 1,560,000 | 577,000 | 581,000 |
| Securities held to maturity | 3,746,000 | 3,596,000 | 3,596,000 | 3,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,476,000 | 36,974,000 | 34,670,000 | 35,725,000 |
| Interest-bearing deposits | 31,387,000 | 31,852,000 | 29,650,000 | 31,229,000 |
| Noninterest-bearing deposits | 5,089,000 | 5,122,000 | 5,020,000 | 4,496,000 |
| Equity capital | 4,474,000 | 4,581,000 | 4,662,000 | 4,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,452,000 | 2,114,000 | 2,803,000 |
| Interest expense | 239,000 | 478,000 | 722,000 | 979,000 |
| Net interest income | 489,000 | 974,000 | 1,392,000 | 1,824,000 |
| Noninterest income | 118,000 | 225,000 | 353,000 | 471,000 |
| Noninterest expense | 447,000 | 865,000 | 1,282,000 | 1,745,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 145,000 | 319,000 | 448,000 | 535,000 |
| Income tax | 55,000 | 122,000 | 170,000 | 201,000 |
| Net income | 90,000 | 197,000 | 278,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,436,000 | 4,545,000 | 4,625,000 | 4,681,000 |
| Total capital | 4,649,000 | 4,758,000 | 4,841,000 | 4,897,000 |
| Risk-weighted assets | 28,005,000 | 27,953,000 | 27,227,000 | 28,098,000 |
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