Call reports 2003
CHELSEA GROTON BANK — 2003
What CHELSEA GROTON BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 594,067,000 | 619,255,000 | 620,031,000 | 621,720,000 |
| Total loans | 376,902,000 | 360,891,000 | 374,451,000 | 382,979,000 |
| Allowance for loan losses | 5,046,000 | 5,063,000 | 5,085,000 | 5,145,000 |
| Securities available for sale | 100,617,000 | 110,509,000 | 118,029,000 | 109,684,000 |
| Securities held to maturity | 28,820,000 | 49,663,000 | 46,031,000 | 63,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,421,000 | 510,639,000 | 515,785,000 | 515,260,000 |
| Interest-bearing deposits | 444,533,000 | 453,188,000 | 456,778,000 | 457,864,000 |
| Noninterest-bearing deposits | 49,888,000 | 57,451,000 | 59,007,000 | 57,396,000 |
| Equity capital | 83,680,000 | 85,807,000 | 86,689,000 | 88,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,553,000 | 14,914,000 | 21,837,000 | 28,721,000 |
| Interest expense | 2,019,000 | 3,841,000 | 5,561,000 | 7,189,000 |
| Net interest income | 5,534,000 | 11,073,000 | 16,276,000 | 21,532,000 |
| Noninterest income | 1,618,000 | 2,933,000 | 4,474,000 | 6,050,000 |
| Noninterest expense | 4,753,000 | 9,886,000 | 14,838,000 | 20,064,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 113,000 |
| Pretax income | 2,394,000 | 4,204,000 | 5,988,000 | 8,401,000 |
| Income tax | 715,000 | 1,224,000 | 1,743,000 | 2,439,000 |
| Net income | 1,679,000 | 2,980,000 | 4,245,000 | 5,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,359,000 | 81,661,000 | 82,926,000 | 84,643,000 |
| Total capital | 85,383,000 | 86,724,000 | 88,011,000 | 89,788,000 |
| Risk-weighted assets | 401,927,000 | 415,157,000 | 424,247,000 | 431,664,000 |