Call reports 2006
CHELSEA GROTON BANK — 2006
What CHELSEA GROTON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 658,214,000 | 666,316,000 | 664,662,000 | 703,095,000 |
| Total loans | 470,519,000 | 481,558,000 | 487,990,000 | 486,071,000 |
| Allowance for loan losses | 5,099,000 | 5,107,000 | 5,123,000 | 5,120,000 |
| Securities available for sale | 55,684,000 | 55,319,000 | 51,400,000 | 58,344,000 |
| Securities held to maturity | 60,998,000 | 56,992,000 | 54,864,000 | 48,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,491,000 | 529,067,000 | 508,959,000 | 558,715,000 |
| Interest-bearing deposits | 453,400,000 | 459,636,000 | 443,396,000 | 496,462,000 |
| Noninterest-bearing deposits | 64,090,000 | 69,431,000 | 65,563,000 | 62,253,000 |
| Equity capital | 99,138,000 | 100,476,000 | 102,284,000 | 104,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,948,000 | 16,103,000 | 24,598,000 | 33,125,000 |
| Interest expense | 1,991,000 | 4,194,000 | 6,654,000 | 9,345,000 |
| Net interest income | 5,957,000 | 11,909,000 | 17,944,000 | 23,780,000 |
| Noninterest income | 1,367,000 | 2,820,000 | 4,313,000 | 5,864,000 |
| Noninterest expense | 5,741,000 | 11,304,000 | 17,104,000 | 22,891,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 1,548,000 | 3,543,000 | 5,184,000 | 7,115,000 |
| Income tax | 398,000 | 953,000 | 1,391,000 | 1,914,000 |
| Net income | 1,150,000 | 2,590,000 | 3,793,000 | 5,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,320,000 | 97,760,000 | 98,963,000 | 100,370,000 |
| Total capital | 101,419,000 | 102,867,000 | 104,086,000 | 105,490,000 |
| Risk-weighted assets | 482,060,000 | 497,790,000 | 497,368,000 | 505,959,000 |