Call reports 2012
CHAMBERS BANK — 2012
What CHAMBERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 718,586,000 | 720,458,000 | 704,029,000 | 1,010,285,000 |
| Total loans | 556,133,000 | 552,854,000 | 527,830,000 | 736,716,000 |
| Allowance for loan losses | 23,964,000 | 24,042,000 | 30,570,000 | 22,798,000 |
| Securities available for sale | 37,163,000 | 42,063,000 | 36,947,000 | 41,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 598,795,000 | 606,506,000 | 594,174,000 | 877,868,000 |
| Interest-bearing deposits | 541,566,000 | 541,169,000 | 532,502,000 | 794,712,000 |
| Noninterest-bearing deposits | 57,228,000 | 65,337,000 | 61,671,000 | 83,155,000 |
| Equity capital | 80,389,000 | 74,978,000 | 70,708,000 | 80,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,889,000 | 16,040,000 | 23,718,000 | 33,579,000 |
| Interest expense | 1,478,000 | 2,863,000 | 4,182,000 | 5,693,000 |
| Net interest income | 6,411,000 | 13,177,000 | 19,536,000 | 27,886,000 |
| Noninterest income | 977,000 | 1,655,000 | 2,439,000 | 7,801,000 |
| Noninterest expense | 4,139,000 | 8,259,000 | 12,625,000 | 18,390,000 |
| Provision for loan losses | 400,000 | 900,000 | 7,950,000 | 1,927,000 |
| Pretax income | 2,349,000 | 5,173,000 | 900,000 | 9,140,000 |
| Income tax | 0 | 0 | 0 | 27,000 |
| Net income | 2,349,000 | 5,173,000 | 900,000 | 9,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,730,000 | 70,318,000 | 66,047,000 | 74,726,000 |
| Total capital | 83,439,000 | 77,979,000 | 73,478,000 | 84,734,000 |
| Risk-weighted assets | 600,443,000 | 596,461,000 | 571,375,000 | 787,855,000 |
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