Call reports 2006
CHELSEA STATE BANK — 2006
What CHELSEA STATE 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 | 200,375,000 | 199,690,000 | 196,318,000 | 208,674,000 |
| Total loans | 131,999,000 | 133,731,000 | 133,015,000 | 131,762,000 |
| Allowance for loan losses | 1,659,000 | 1,702,000 | 1,759,000 | 1,812,000 |
| Securities available for sale | 29,334,000 | 29,133,000 | 29,389,000 | 28,586,000 |
| Securities held to maturity | 16,515,000 | 15,751,000 | 15,833,000 | 14,729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,803,000 | 164,300,000 | 160,041,000 | 172,268,000 |
| Interest-bearing deposits | 133,669,000 | 133,348,000 | 130,815,000 | 139,776,000 |
| Noninterest-bearing deposits | 30,134,000 | 30,952,000 | 29,226,000 | 32,492,000 |
| Equity capital | 30,764,000 | 30,614,000 | 31,377,000 | 31,589,000 |
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 | 2,884,000 | 5,901,000 | 8,980,000 | 12,094,000 |
| Interest expense | 762,000 | 1,602,000 | 2,489,000 | 3,433,000 |
| Net interest income | 2,122,000 | 4,299,000 | 6,491,000 | 8,661,000 |
| Noninterest income | 189,000 | 403,000 | 616,000 | 849,000 |
| Noninterest expense | 1,305,000 | 2,653,000 | 3,948,000 | 5,213,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 946,000 | 1,929,000 | 2,979,000 | 4,057,000 |
| Income tax | 261,000 | 537,000 | 839,000 | 1,120,000 |
| Net income | 685,000 | 1,392,000 | 2,140,000 | 2,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,255,000 | 31,234,000 | 31,803,000 | 31,875,000 |
| Total capital | 32,914,000 | 32,936,000 | 33,553,000 | 33,687,000 |
| Risk-weighted assets | 140,233,000 | 141,444,000 | 139,956,000 | 145,366,000 |