Call reports 2010
CHELSEA BANK — 2010
What CHELSEA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 47,667,000 | 47,580,000 | 47,306,000 | 48,537,000 |
| Total loans | 37,922,000 | 37,569,000 | 36,991,000 | 35,857,000 |
| Allowance for loan losses | 249,000 | 281,000 | 319,000 | 352,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,898,000 | 3,199,000 | 3,346,000 | 3,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,009,000 | 40,649,000 | 40,442,000 | 41,806,000 |
| Interest-bearing deposits | 35,104,000 | 36,453,000 | 36,527,000 | 37,390,000 |
| Noninterest-bearing deposits | 3,905,000 | 4,196,000 | 3,915,000 | 4,416,000 |
| Equity capital | 4,822,000 | 4,828,000 | 4,912,000 | 4,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,109,000 | 1,697,000 | 2,243,000 |
| Interest expense | 121,000 | 247,000 | 372,000 | 495,000 |
| Net interest income | 432,000 | 862,000 | 1,325,000 | 1,748,000 |
| Noninterest income | 122,000 | 219,000 | 433,000 | 601,000 |
| Noninterest expense | 483,000 | 966,000 | 1,470,000 | 1,953,000 |
| Provision for loan losses | 30,000 | 72,000 | 110,000 | 150,000 |
| Pretax income | 41,000 | 43,000 | 178,000 | 246,000 |
| Income tax | 12,000 | 8,000 | 59,000 | 82,000 |
| Net income | 29,000 | 35,000 | 119,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,787,000 | 4,794,000 | 4,878,000 | 4,923,000 |
| Total capital | 5,036,000 | 5,075,000 | 5,197,000 | 5,265,000 |
| Risk-weighted assets | 28,421,000 | 28,415,000 | 27,608,000 | 27,326,000 |
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