Call reports 2012
CHELSEA STATE BANK — 2012
What CHELSEA STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 247,710,000 | 231,806,000 | 234,802,000 | 237,567,000 |
| Total loans | 140,304,000 | 142,648,000 | 142,630,000 | 140,923,000 |
| Allowance for loan losses | 3,815,000 | 4,117,000 | 4,381,000 | 4,641,000 |
| Securities available for sale | 57,123,000 | 52,679,000 | 51,049,000 | 48,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,619,000 | 201,976,000 | 204,405,000 | 207,289,000 |
| Interest-bearing deposits | 175,925,000 | 156,067,000 | 154,729,000 | 159,608,000 |
| Noninterest-bearing deposits | 42,694,000 | 45,909,000 | 49,676,000 | 47,681,000 |
| Equity capital | 26,182,000 | 26,780,000 | 27,247,000 | 27,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,498,000 | 5,084,000 | 7,600,000 | 10,050,000 |
| Interest expense | 271,000 | 523,000 | 759,000 | 975,000 |
| Net interest income | 2,227,000 | 4,561,000 | 6,841,000 | 9,075,000 |
| Noninterest income | 337,000 | 628,000 | 996,000 | 1,329,000 |
| Noninterest expense | 1,662,000 | 3,317,000 | 4,932,000 | 6,524,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 602,000 | 1,283,000 | 2,026,000 | 2,807,000 |
| Income tax | 34,000 | 73,000 | 91,000 | 91,000 |
| Net income | 568,000 | 1,210,000 | 1,935,000 | 2,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,227,000 | 24,503,000 | 24,862,000 | 24,911,000 |
| Total capital | 26,228,000 | 26,514,000 | 26,886,000 | 26,913,000 |
| Risk-weighted assets | 158,241,000 | 158,749,000 | 159,541,000 | 157,506,000 |