Call reports 2019
CHAMBERS STATE BANK — 2019
What CHAMBERS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 59,975,000 | 60,830,000 | 60,804,000 | 61,753,000 |
| Total loans | 46,661,000 | 48,437,000 | 50,211,000 | 48,267,000 |
| Allowance for loan losses | 427,000 | 427,000 | 427,000 | 427,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 204,000 | 202,000 | 202,000 | 202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,542,000 | 42,411,000 | 41,677,000 | 43,228,000 |
| Interest-bearing deposits | 28,530,000 | 32,230,000 | 31,305,000 | 32,480,000 |
| Noninterest-bearing deposits | 11,012,000 | 10,181,000 | 10,372,000 | 10,748,000 |
| Equity capital | 17,562,000 | 17,824,000 | 18,089,000 | 18,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 678,000 | 1,403,000 | 2,153,000 | 2,880,000 |
| Interest expense | 66,000 | 157,000 | 253,000 | 347,000 |
| Net interest income | 612,000 | 1,246,000 | 1,900,000 | 2,533,000 |
| Noninterest income | 33,000 | 51,000 | 92,000 | 170,000 |
| Noninterest expense | 243,000 | 552,000 | 818,000 | 1,411,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 402,000 | 745,000 | 1,174,000 | 1,142,000 |
| Income tax | 6,000 | 87,000 | 251,000 | 270,000 |
| Net income | 396,000 | 658,000 | 923,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,562,000 | 17,824,000 | 18,089,000 | 18,038,000 |
| Total capital | 17,989,000 | 18,251,000 | 18,516,000 | 18,465,000 |
| Risk-weighted assets | 47,275,000 | 49,457,000 | 50,449,000 | 49,704,000 |