Call reports 2020
CHAMBERS STATE BANK — 2020
What CHAMBERS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 64,752,000 | 70,291,000 | 73,073,000 | 68,337,000 |
| Total loans | 50,654,000 | 55,954,000 | 58,394,000 | 58,013,000 |
| Allowance for loan losses | 427,000 | 504,000 | 504,000 | 503,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 201,000 | 307,000 | 306,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,891,000 | 51,302,000 | 53,629,000 | 50,400,000 |
| Interest-bearing deposits | 34,898,000 | 36,849,000 | 38,306,000 | 36,114,000 |
| Noninterest-bearing deposits | 10,993,000 | 14,453,000 | 15,323,000 | 14,286,000 |
| Equity capital | 18,319,000 | 18,507,000 | 18,835,000 | 16,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,416,000 | 2,190,000 | 2,939,000 |
| Interest expense | 84,000 | 169,000 | 252,000 | 328,000 |
| Net interest income | 611,000 | 1,247,000 | 1,938,000 | 2,611,000 |
| Noninterest income | 25,000 | 66,000 | 122,000 | 220,000 |
| Noninterest expense | 300,000 | 635,000 | 894,000 | 1,468,000 |
| Provision for loan losses | 0 | 125,000 | 125,000 | 125,000 |
| Pretax income | 336,000 | 553,000 | 1,041,000 | 1,238,000 |
| Income tax | 55,000 | 84,000 | 244,000 | 260,000 |
| Net income | 281,000 | 469,000 | 797,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,319,000 | 18,507,000 | 18,835,000 | 16,715,000 |