Call reports 2023
CHELSEA STATE BANK — 2023
What CHELSEA STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 431,245,000 | 412,243,000 | 403,382,000 | 403,647,000 |
| Total loans | 224,171,000 | 228,653,000 | 235,593,000 | 244,723,000 |
| Allowance for loan losses | 3,918,000 | 3,978,000 | 4,124,000 | 4,240,000 |
| Securities available for sale | 110,853,000 | 106,964,000 | 101,749,000 | 103,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,601,000 | 373,545,000 | 365,976,000 | 361,765,000 |
| Interest-bearing deposits | 263,486,000 | 242,877,000 | 243,845,000 | 240,962,000 |
| Noninterest-bearing deposits | 128,115,000 | 130,668,000 | 122,131,000 | 120,803,000 |
| Equity capital | 36,914,000 | 36,723,000 | 35,294,000 | 39,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,830,000 | 9,795,000 | 14,818,000 | 20,022,000 |
| Interest expense | 739,000 | 1,510,000 | 2,297,000 | 3,094,000 |
| Net interest income | 4,091,000 | 8,285,000 | 12,521,000 | 16,928,000 |
| Noninterest income | 295,000 | 555,000 | 1,010,000 | 1,333,000 |
| Noninterest expense | 2,228,000 | 4,507,000 | 6,807,000 | 9,336,000 |
| Provision for loan losses | 3,000 | 57,000 | 200,000 | 373,000 |
| Pretax income | 2,169,000 | 4,308,000 | 6,560,000 | 8,606,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,169,000 | 4,308,000 | 6,560,000 | 8,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,232,000 | 46,659,000 | 48,199,000 | 47,635,000 |
| Total capital | 48,403,000 | 49,901,000 | 51,490,000 | 51,029,000 |
| Risk-weighted assets | 252,906,000 | 258,625,000 | 262,456,000 | 270,691,000 |
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