Call reports 2025
CHELSEA STATE BANK — 2025
What CHELSEA STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 414,015,000 | 404,668,000 | 414,333,000 | 413,915,000 |
| Total loans | 262,274,000 | 260,673,000 | 256,334,000 | 252,457,000 |
| Allowance for loan losses | 4,209,000 | 4,234,000 | 4,137,000 | 4,029,000 |
| Securities available for sale | 92,252,000 | 88,161,000 | 88,059,000 | 85,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,723,000 | 357,408,000 | 364,365,000 | 363,019,000 |
| Interest-bearing deposits | 260,489,000 | 254,489,000 | 257,387,000 | 257,700,000 |
| Noninterest-bearing deposits | 106,234,000 | 102,920,000 | 106,978,000 | 105,318,000 |
| Equity capital | 44,008,000 | 44,570,000 | 47,208,000 | 48,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,306,000 | 10,705,000 | 16,086,000 | 21,455,000 |
| Interest expense | 1,302,000 | 2,546,000 | 3,771,000 | 4,908,000 |
| Net interest income | 4,004,000 | 8,159,000 | 12,315,000 | 16,547,000 |
| Noninterest income | 258,000 | 563,000 | 939,000 | 1,232,000 |
| Noninterest expense | 2,414,000 | 5,056,000 | 7,748,000 | 10,510,000 |
| Provision for loan losses | 5,000 | 29,000 | -69,000 | -193,000 |
| Pretax income | 1,839,000 | 3,642,000 | 5,585,000 | 7,474,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,839,000 | 3,642,000 | 5,585,000 | 7,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,847,000 | 52,776,000 | 53,665,000 | 53,283,000 |
| Total capital | 55,437,000 | 56,327,000 | 57,161,000 | 56,727,000 |
| Risk-weighted assets | 286,544,000 | 283,441,000 | 279,107,000 | 274,935,000 |