Call reports 2013
CHELSEA STATE BANK — 2013
What CHELSEA STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 253,461,000 | 246,059,000 | 243,099,000 | 249,376,000 |
| Total loans | 143,047,000 | 151,989,000 | 151,571,000 | 154,183,000 |
| Allowance for loan losses | 4,615,000 | 4,774,000 | 4,436,000 | 4,600,000 |
| Securities available for sale | 49,421,000 | 47,457,000 | 51,172,000 | 51,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,417,000 | 216,346,000 | 212,451,000 | 218,774,000 |
| Interest-bearing deposits | 179,466,000 | 169,456,000 | 167,158,000 | 166,822,000 |
| Noninterest-bearing deposits | 43,951,000 | 46,890,000 | 45,293,000 | 51,951,000 |
| Equity capital | 27,077,000 | 26,553,000 | 27,422,000 | 27,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,404,000 | 4,894,000 | 7,387,000 | 9,816,000 |
| Interest expense | 199,000 | 394,000 | 577,000 | 755,000 |
| Net interest income | 2,205,000 | 4,500,000 | 6,810,000 | 9,061,000 |
| Noninterest income | 234,000 | 464,000 | 736,000 | 956,000 |
| Noninterest expense | 1,616,000 | 3,196,000 | 4,743,000 | 6,242,000 |
| Provision for loan losses | 150,000 | 300,000 | 350,000 | 350,000 |
| Pretax income | 673,000 | 1,468,000 | 2,453,000 | 3,425,000 |
| Income tax | 7,000 | 52,000 | 52,000 | 52,000 |
| Net income | 666,000 | 1,416,000 | 2,401,000 | 3,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,150,000 | 25,594,000 | 26,275,000 | 26,331,000 |
| Total capital | 27,202,000 | 27,685,000 | 28,369,000 | 28,464,000 |
| Risk-weighted assets | 161,628,000 | 164,568,000 | 165,169,000 | 168,210,000 |