Call reports 2009
CHELSEA BANK — 2009
What CHELSEA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 48,942,000 | 47,004,000 | 47,150,000 | 47,089,000 |
| Total loans | 38,190,000 | 38,762,000 | 38,522,000 | 38,558,000 |
| Allowance for loan losses | 196,000 | 228,000 | 222,000 | 219,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,404,000 | 3,103,000 | 2,801,000 | 2,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,025,000 | 39,183,000 | 39,609,000 | 39,261,000 |
| Interest-bearing deposits | 35,805,000 | 34,143,000 | 35,203,000 | 34,316,000 |
| Noninterest-bearing deposits | 5,220,000 | 5,040,000 | 4,406,000 | 4,945,000 |
| Equity capital | 4,731,000 | 4,780,000 | 4,772,000 | 4,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,164,000 | 1,704,000 | 2,290,000 |
| Interest expense | 201,000 | 394,000 | 571,000 | 714,000 |
| Net interest income | 403,000 | 770,000 | 1,133,000 | 1,576,000 |
| Noninterest income | 162,000 | 424,000 | 554,000 | 720,000 |
| Noninterest expense | 502,000 | 1,024,000 | 1,508,000 | 1,994,000 |
| Provision for loan losses | 20,000 | 52,000 | 82,000 | 177,000 |
| Pretax income | 43,000 | 118,000 | 97,000 | 125,000 |
| Income tax | 13,000 | 39,000 | 26,000 | 33,000 |
| Net income | 30,000 | 79,000 | 71,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,704,000 | 4,748,000 | 4,740,000 | 4,758,000 |
| Total capital | 4,900,000 | 4,976,000 | 4,962,000 | 4,977,000 |
| Risk-weighted assets | 28,595,000 | 30,371,000 | 29,252,000 | 28,452,000 |
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