Call reports 2025
CHAMBERS STATE BANK — 2025
What CHAMBERS STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 87,578,000 | 86,911,000 | 83,369,000 | 86,006,000 |
| Total loans | 62,293,000 | 64,514,000 | 67,139,000 | 66,855,000 |
| Allowance for loan losses | 629,000 | 638,000 | 638,000 | 638,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,370,000 | 1,620,000 | 1,370,000 | 1,370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,004,000 | 65,829,000 | 61,618,000 | 64,545,000 |
| Interest-bearing deposits | 47,717,000 | 47,833,000 | 44,986,000 | 45,822,000 |
| Noninterest-bearing deposits | 19,287,000 | 17,996,000 | 16,632,000 | 18,723,000 |
| Equity capital | 20,035,000 | 20,419,000 | 20,839,000 | 20,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,272,000 | 2,610,000 | 3,982,000 | 5,330,000 |
| Interest expense | 274,000 | 547,000 | 820,000 | 1,088,000 |
| Net interest income | 998,000 | 2,063,000 | 3,162,000 | 4,242,000 |
| Noninterest income | 29,000 | 62,000 | 90,000 | 167,000 |
| Noninterest expense | 467,000 | 905,000 | 1,279,000 | 2,149,000 |
| Provision for loan losses | 0 | 115,000 | 115,000 | 115,000 |
| Pretax income | 560,000 | 1,105,000 | 1,858,000 | 2,145,000 |
| Income tax | -18,000 | 143,000 | 476,000 | 560,000 |
| Net income | 578,000 | 962,000 | 1,382,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,035,000 | 20,419,000 | 20,839,000 | 20,642,000 |