Call reports 2006
FIRST NATIONAL BANK OF CHELSEA — 2006
What FIRST NATIONAL BANK OF CHELSEA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 21,212,000 | 20,984,000 | 20,949,000 |
| Total loans | 9,506,000 | 9,367,000 | 8,785,000 |
| Allowance for loan losses | 267,000 | 240,000 | 231,000 |
| Securities available for sale | 9,066,000 | 9,410,000 | 9,421,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 19,084,000 | 18,843,000 | 18,613,000 |
| Interest-bearing deposits | 15,086,000 | 14,907,000 | 15,173,000 |
| Noninterest-bearing deposits | 3,999,000 | 3,935,000 | 3,440,000 |
| Equity capital | 2,100,000 | 2,110,000 | 2,291,000 |
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 |
|---|---|---|---|
| Interest income | 305,000 | 612,000 | 937,000 |
| Interest expense | 79,000 | 165,000 | 260,000 |
| Net interest income | 226,000 | 447,000 | 677,000 |
| Noninterest income | 101,000 | 217,000 | 332,000 |
| Noninterest expense | 271,000 | 537,000 | 807,000 |
| Provision for loan losses | 0 | 0 | 6,000 |
| Pretax income | 56,000 | 127,000 | 196,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 56,000 | 127,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 2,256,000 | 2,327,000 | 2,395,000 |
| Total capital | 2,389,000 | 2,458,000 | 2,508,000 |
| Risk-weighted assets | 10,494,000 | 10,339,000 | 10,044,000 |