Call reports 2001
CHELSEA STATE BANK — 2001
What CHELSEA STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 168,208,000 | 159,825,000 | 154,416,000 | 161,316,000 |
| Total loans | 92,958,000 | 95,149,000 | 97,244,000 | 97,663,000 |
| Allowance for loan losses | 1,215,000 | 1,220,000 | 1,236,000 | 1,228,000 |
| Securities available for sale | 24,355,000 | 19,409,000 | 19,968,000 | 21,852,000 |
| Securities held to maturity | 20,720,000 | 20,885,000 | 21,225,000 | 19,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,150,000 | 134,691,000 | 128,273,000 | 135,682,000 |
| Interest-bearing deposits | 121,557,000 | 110,957,000 | 105,465,000 | 111,345,000 |
| Noninterest-bearing deposits | 21,593,000 | 23,734,000 | 22,808,000 | 24,337,000 |
| Equity capital | 24,287,000 | 24,360,000 | 25,079,000 | 25,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,810,000 | 5,517,000 | 8,125,000 | 10,723,000 |
| Interest expense | 1,182,000 | 2,223,000 | 3,137,000 | 3,936,000 |
| Net interest income | 1,628,000 | 3,294,000 | 4,988,000 | 6,787,000 |
| Noninterest income | 135,000 | 312,000 | 457,000 | 732,000 |
| Noninterest expense | 1,040,000 | 2,090,000 | 3,125,000 | 4,192,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 708,000 | 1,487,000 | 2,278,000 | 3,270,000 |
| Income tax | 170,000 | 365,000 | 563,000 | 819,000 |
| Net income | 538,000 | 1,122,000 | 1,715,000 | 2,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,001,000 | 24,058,000 | 24,716,000 | 24,836,000 |
| Total capital | 25,138,000 | 25,211,000 | 25,865,000 | 26,042,000 |
| Risk-weighted assets | 91,371,000 | 91,826,000 | 91,848,000 | 96,480,000 |