Call reports 2008
CHAMBERS STATE BANK — 2008
What CHAMBERS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 28,440,000 | 29,413,000 | 28,330,000 | 29,975,000 |
| Total loans | 18,037,000 | 19,800,000 | 21,658,000 | 20,249,000 |
| Allowance for loan losses | 277,000 | 277,000 | 277,000 | 277,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,712,000 | 3,367,000 | 1,822,000 | 1,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,681,000 | 20,479,000 | 19,187,000 | 21,298,000 |
| Interest-bearing deposits | 16,060,000 | 16,087,000 | 15,748,000 | 16,010,000 |
| Noninterest-bearing deposits | 3,621,000 | 4,392,000 | 3,439,000 | 5,288,000 |
| Equity capital | 8,429,000 | 8,636,000 | 8,780,000 | 8,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 464,000 | 908,000 | 1,361,000 | 1,716,000 |
| Interest expense | 132,000 | 254,000 | 374,000 | 489,000 |
| Net interest income | 332,000 | 654,000 | 987,000 | 1,227,000 |
| Noninterest income | 18,000 | 36,000 | 67,000 | 207,000 |
| Noninterest expense | 116,000 | 229,000 | 342,000 | 863,000 |
| Provision for loan losses | 0 | 0 | 0 | 275,000 |
| Pretax income | 234,000 | 461,000 | 712,000 | 296,000 |
| Income tax | 26,000 | 46,000 | 153,000 | 100,000 |
| Net income | 208,000 | 415,000 | 559,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,429,000 | 8,636,000 | 8,780,000 | 8,417,000 |
| Total capital | 8,682,000 | 8,911,000 | 9,057,000 | 8,694,000 |
| Risk-weighted assets | 20,248,000 | 21,970,000 | 23,382,000 | 22,492,000 |
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