Call reports 2012
CHAMBERS STATE BANK — 2012
What CHAMBERS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 38,613,000 | 37,391,000 | 35,822,000 | 38,023,000 |
| Total loans | 22,038,000 | 23,420,000 | 24,141,000 | 21,782,000 |
| Allowance for loan losses | 277,000 | 277,000 | 277,000 | 277,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,302,000 | 827,000 | 827,000 | 352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,218,000 | 23,916,000 | 23,024,000 | 26,472,000 |
| Interest-bearing deposits | 16,641,000 | 16,857,000 | 16,671,000 | 17,070,000 |
| Noninterest-bearing deposits | 8,577,000 | 7,059,000 | 6,353,000 | 9,402,000 |
| Equity capital | 9,700,000 | 9,818,000 | 9,926,000 | 9,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 322,000 | 644,000 | 959,000 | 1,294,000 |
| Interest expense | 26,000 | 48,000 | 69,000 | 101,000 |
| Net interest income | 296,000 | 596,000 | 890,000 | 1,193,000 |
| Noninterest income | 30,000 | 60,000 | 89,000 | 211,000 |
| Noninterest expense | 145,000 | 303,000 | 435,000 | 902,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 181,000 | 353,000 | 544,000 | 502,000 |
| Income tax | -14,000 | 40,000 | 123,000 | 163,000 |
| Net income | 195,000 | 313,000 | 421,000 | 339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,700,000 | 9,818,000 | 9,926,000 | 9,444,000 |
| Total capital | 9,977,000 | 10,095,000 | 10,203,000 | 9,721,000 |
| Risk-weighted assets | 24,258,000 | 25,722,000 | 26,544,000 | 24,402,000 |