Call reports 2013
CHAMBERS BANK — 2013
What CHAMBERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,011,929,000 | 777,804,000 | 758,293,000 | 747,781,000 |
| Total loans | 724,234,000 | 554,641,000 | 556,099,000 | 556,087,000 |
| Allowance for loan losses | 16,757,000 | 16,310,000 | 16,977,000 | 17,098,000 |
| Securities available for sale | 39,013,000 | 51,588,000 | 41,443,000 | 43,205,000 |
| Securities held to maturity | 785,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 881,549,000 | 661,969,000 | 641,536,000 | 641,729,000 |
| Interest-bearing deposits | 792,452,000 | 593,993,000 | 576,296,000 | 575,123,000 |
| Noninterest-bearing deposits | 89,097,000 | 67,976,000 | 65,239,000 | 66,606,000 |
| Equity capital | 80,668,000 | 83,623,000 | 84,909,000 | 84,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 11,248,000 | 19,275,000 | 27,329,000 | 35,301,000 |
| Interest expense | 1,638,000 | 2,775,000 | 3,815,000 | 4,802,000 |
| Net interest income | 9,610,000 | 16,500,000 | 23,514,000 | 30,499,000 |
| Noninterest income | 1,057,000 | 2,413,000 | 2,732,000 | 1,196,000 |
| Noninterest expense | 7,239,000 | 12,637,000 | 18,018,000 | 23,697,000 |
| Provision for loan losses | 3,100,000 | 3,202,000 | 3,796,000 | 3,861,000 |
| Pretax income | 343,000 | 2,889,000 | 4,247,000 | 3,943,000 |
| Income tax | -13,000 | -497,000 | -442,000 | -408,000 |
| Net income | 357,000 | 3,383,000 | 4,689,000 | 4,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,159,000 | 78,830,000 | 80,137,000 | 79,762,000 |
| Total capital | 84,958,000 | 86,633,000 | 87,919,000 | 87,421,000 |
| Risk-weighted assets | 776,991,000 | 615,732,000 | 613,331,000 | 603,295,000 |
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