Call reports 2013
CHELSEA BANK — 2013
What CHELSEA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 55,209,000 | 54,305,000 | 57,620,000 | 56,176,000 |
| Total loans | 36,749,000 | 36,661,000 | 36,183,000 | 35,976,000 |
| Allowance for loan losses | 377,000 | 375,000 | 375,000 | 375,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,641,000 | 7,789,000 | 7,787,000 | 7,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,197,000 | 48,206,000 | 51,501,000 | 50,001,000 |
| Interest-bearing deposits | 41,093,000 | 41,886,000 | 40,956,000 | 40,809,000 |
| Noninterest-bearing deposits | 8,104,000 | 6,320,000 | 10,545,000 | 9,192,000 |
| Equity capital | 5,449,000 | 5,519,000 | 5,534,000 | 5,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 459,000 | 960,000 | 1,424,000 | 1,888,000 |
| Interest expense | 71,000 | 141,000 | 210,000 | 277,000 |
| Net interest income | 388,000 | 819,000 | 1,214,000 | 1,611,000 |
| Noninterest income | 228,000 | 433,000 | 573,000 | 750,000 |
| Noninterest expense | 543,000 | 1,068,000 | 1,588,000 | 2,121,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 69,000 | 180,000 | 195,000 | 236,000 |
| Income tax | 22,000 | 62,000 | 63,000 | 75,000 |
| Net income | 47,000 | 118,000 | 132,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,407,000 | 5,478,000 | 5,493,000 | 5,523,000 |
| Total capital | 5,783,000 | 5,854,000 | 5,868,000 | 5,898,000 |
| Risk-weighted assets | 30,116,000 | 29,368,000 | 30,149,000 | 30,335,000 |
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