Call reports 2005
CHELSEA GROTON BANK — 2005
What CHELSEA GROTON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 644,425,000 | 657,200,000 | 650,682,000 | 652,125,000 |
| Total loans | 437,772,000 | 449,987,000 | 453,979,000 | 464,480,000 |
| Allowance for loan losses | 5,185,000 | 5,101,000 | 5,101,000 | 5,096,000 |
| Securities available for sale | 69,594,000 | 67,439,000 | 64,716,000 | 59,425,000 |
| Securities held to maturity | 69,549,000 | 67,268,000 | 64,086,000 | 61,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,590,000 | 538,894,000 | 530,101,000 | 529,940,000 |
| Interest-bearing deposits | 455,086,000 | 468,866,000 | 460,201,000 | 463,740,000 |
| Noninterest-bearing deposits | 66,504,000 | 70,028,000 | 69,900,000 | 66,200,000 |
| Equity capital | 93,951,000 | 95,335,000 | 96,782,000 | 97,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,346,000 | 14,879,000 | 22,577,000 | 30,462,000 |
| Interest expense | 1,521,000 | 3,181,000 | 4,930,000 | 6,762,000 |
| Net interest income | 5,825,000 | 11,698,000 | 17,647,000 | 23,700,000 |
| Noninterest income | 1,231,000 | 2,501,000 | 4,037,000 | 5,524,000 |
| Noninterest expense | 5,267,000 | 10,747,000 | 16,320,000 | 22,309,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 2,213,000 | 3,864,000 | 5,764,000 | 7,288,000 |
| Income tax | 620,000 | 1,074,000 | 1,622,000 | 2,025,000 |
| Net income | 1,593,000 | 2,790,000 | 4,142,000 | 5,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,500,000 | 92,697,000 | 94,049,000 | 95,170,000 |
| Total capital | 96,685,000 | 97,798,000 | 99,150,000 | 100,266,000 |
| Risk-weighted assets | 451,162,000 | 466,454,000 | 468,289,000 | 474,463,000 |