Call reports 2015
CHAMBERS STATE BANK — 2015
What CHAMBERS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 43,744,000 | 42,988,000 | 42,201,000 | 41,705,000 |
| Total loans | 25,977,000 | 26,712,000 | 28,737,000 | 27,328,000 |
| Allowance for loan losses | 277,000 | 277,000 | 277,000 | 290,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,533,000 | 29,398,000 | 27,000,000 | 27,810,000 |
| Interest-bearing deposits | 18,826,000 | 18,462,000 | 18,584,000 | 17,798,000 |
| Noninterest-bearing deposits | 11,707,000 | 10,936,000 | 8,416,000 | 10,012,000 |
| Equity capital | 10,198,000 | 10,368,000 | 10,560,000 | 10,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 337,000 | 696,000 | 1,059,000 | 1,423,000 |
| Interest expense | 13,000 | 29,000 | 45,000 | 61,000 |
| Net interest income | 324,000 | 667,000 | 1,014,000 | 1,362,000 |
| Noninterest income | 22,000 | 46,000 | 76,000 | 171,000 |
| Noninterest expense | 160,000 | 315,000 | 470,000 | 898,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 398,000 | 620,000 | 635,000 |
| Income tax | 49,000 | 91,000 | 121,000 | 229,000 |
| Net income | 137,000 | 307,000 | 499,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,198,000 | 10,368,000 | 10,560,000 | 10,467,000 |
| Total capital | 10,475,000 | 10,645,000 | 10,837,000 | 10,757,000 |
| Risk-weighted assets | 28,993,000 | 29,817,000 | 31,770,000 | 30,594,000 |