Call reports 2007
CHAMBERS STATE BANK — 2007
What CHAMBERS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 27,942,000 | 27,732,000 | 27,053,000 | 28,211,000 |
| Total loans | 18,127,000 | 19,330,000 | 20,499,000 | 18,416,000 |
| Allowance for loan losses | 275,000 | 275,000 | 275,000 | 266,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,552,000 | 2,652,000 | 2,452,000 | 3,862,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,321,000 | 18,949,000 | 17,769,000 | 19,460,000 |
| Interest-bearing deposits | 15,781,000 | 15,425,000 | 14,710,000 | 15,157,000 |
| Noninterest-bearing deposits | 3,540,000 | 3,524,000 | 3,058,000 | 4,303,000 |
| Equity capital | 8,291,000 | 8,487,000 | 8,632,000 | 8,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 489,000 | 970,000 | 1,456,000 | 1,913,000 |
| Interest expense | 127,000 | 260,000 | 393,000 | 526,000 |
| Net interest income | 362,000 | 710,000 | 1,063,000 | 1,387,000 |
| Noninterest income | 17,000 | 44,000 | 77,000 | 154,000 |
| Noninterest expense | 119,000 | 265,000 | 386,000 | 977,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 22,000 |
| Pretax income | 250,000 | 479,000 | 744,000 | 542,000 |
| Income tax | 35,000 | 68,000 | 188,000 | 197,000 |
| Net income | 215,000 | 411,000 | 556,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,291,000 | 8,487,000 | 8,632,000 | 8,421,000 |
| Total capital | 8,545,000 | 8,753,000 | 8,907,000 | 8,678,000 |
| Risk-weighted assets | 20,305,000 | 21,315,000 | 22,229,000 | 20,570,000 |
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