Call reports 2016
CHAMBERS STATE BANK — 2016
What CHAMBERS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 43,554,000 | 42,644,000 | 59,759,000 | 58,652,000 |
| Total loans | 26,034,000 | 27,048,000 | 38,575,000 | 38,025,000 |
| Allowance for loan losses | 290,000 | 290,000 | 427,000 | 427,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,593,000 | 29,776,000 | 43,414,000 | 42,205,000 |
| Interest-bearing deposits | 19,533,000 | 19,788,000 | 30,898,000 | 28,384,000 |
| Noninterest-bearing deposits | 11,060,000 | 9,988,000 | 12,516,000 | 13,821,000 |
| Equity capital | 10,661,000 | 10,775,000 | 15,468,000 | 15,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 369,000 | 740,000 | 1,635,000 | 2,157,000 |
| Interest expense | 14,000 | 30,000 | 80,000 | 107,000 |
| Net interest income | 355,000 | 710,000 | 1,555,000 | 2,050,000 |
| Noninterest income | 27,000 | 44,000 | 132,000 | 200,000 |
| Noninterest expense | 151,000 | 369,000 | 718,000 | 1,286,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 231,000 | 385,000 | 969,000 | 964,000 |
| Income tax | 37,000 | 77,000 | 287,000 | 409,000 |
| Net income | 194,000 | 308,000 | 682,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,661,000 | 10,775,000 | 15,468,000 | 15,551,000 |
| Total capital | 10,951,000 | 11,065,000 | 16,322,000 | 15,978,000 |
| Risk-weighted assets | 29,223,000 | 30,200,000 | 42,194,000 | 41,984,000 |