Call reports 2004
CHELSEA GROTON BANK — 2004
What CHELSEA GROTON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 634,409,000 | 648,470,000 | 636,841,000 | 638,319,000 |
| Total loans | 392,431,000 | 411,592,000 | 423,021,000 | 432,238,000 |
| Allowance for loan losses | 5,081,000 | 5,163,000 | 5,167,000 | 5,175,000 |
| Securities available for sale | 91,733,000 | 86,977,000 | 74,881,000 | 73,864,000 |
| Securities held to maturity | 65,075,000 | 77,752,000 | 75,657,000 | 72,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,654,000 | 540,771,000 | 526,417,000 | 526,894,000 |
| Interest-bearing deposits | 466,148,000 | 474,754,000 | 463,714,000 | 462,043,000 |
| Noninterest-bearing deposits | 58,506,000 | 66,017,000 | 62,703,000 | 64,851,000 |
| Equity capital | 89,591,000 | 89,628,000 | 91,008,000 | 93,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,923,000 | 13,865,000 | 21,031,000 | 28,550,000 |
| Interest expense | 1,544,000 | 3,069,000 | 4,583,000 | 6,071,000 |
| Net interest income | 5,379,000 | 10,796,000 | 16,448,000 | 22,479,000 |
| Noninterest income | 1,279,000 | 2,479,000 | 3,688,000 | 4,883,000 |
| Noninterest expense | 5,298,000 | 10,713,000 | 15,991,000 | 21,335,000 |
| Provision for loan losses | 12,000 | -40,000 | -28,000 | -546,000 |
| Pretax income | 1,356,000 | 2,611,000 | 4,828,000 | 7,185,000 |
| Income tax | 324,000 | 622,000 | 1,231,000 | 1,921,000 |
| Net income | 1,032,000 | 1,989,000 | 3,597,000 | 5,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,675,000 | 86,632,000 | 88,239,000 | 89,907,000 |
| Total capital | 90,756,000 | 91,795,000 | 93,406,000 | 95,082,000 |
| Risk-weighted assets | 435,584,000 | 447,802,000 | 445,720,000 | 449,349,000 |