Call reports 2015
CHELSEA STATE BANK — 2015
What CHELSEA STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 290,437,000 | 269,383,000 | 265,962,000 | 270,178,000 |
| Total loans | 144,371,000 | 147,100,000 | 151,628,000 | 156,052,000 |
| Allowance for loan losses | 4,159,000 | 4,169,000 | 4,175,000 | 4,185,000 |
| Securities available for sale | 58,973,000 | 61,439,000 | 61,771,000 | 64,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,493,000 | 238,024,000 | 233,834,000 | 238,367,000 |
| Interest-bearing deposits | 198,167,000 | 180,594,000 | 176,663,000 | 176,227,000 |
| Noninterest-bearing deposits | 60,326,000 | 57,430,000 | 57,171,000 | 62,140,000 |
| Equity capital | 29,558,000 | 30,162,000 | 30,852,000 | 30,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,250,000 | 4,707,000 | 7,059,000 | 9,449,000 |
| Interest expense | 118,000 | 231,000 | 332,000 | 433,000 |
| Net interest income | 2,132,000 | 4,476,000 | 6,727,000 | 9,016,000 |
| Noninterest income | 259,000 | 556,000 | 625,000 | 882,000 |
| Noninterest expense | 1,749,000 | 3,376,000 | 4,986,000 | 6,701,000 |
| Provision for loan losses | 0 | -600,000 | -600,000 | -600,000 |
| Pretax income | 642,000 | 2,256,000 | 2,966,000 | 3,797,000 |
| Income tax | 0 | 34,000 | 34,000 | 34,000 |
| Net income | 642,000 | 2,222,000 | 2,932,000 | 3,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,963,000 | 29,207,000 | 29,459,000 | 29,193,000 |
| Total capital | 29,979,000 | 31,272,000 | 31,560,000 | 31,215,000 |
| Risk-weighted assets | 159,146,000 | 163,112,000 | 165,993,000 | 159,630,000 |