Call reports 2016
CHAMBERS BANK — 2016
What CHAMBERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 662,345,000 | 672,615,000 | 703,560,000 | 714,212,000 |
| Total loans | 530,920,000 | 550,261,000 | 578,984,000 | 588,328,000 |
| Allowance for loan losses | 9,600,000 | 9,596,000 | 9,018,000 | 8,651,000 |
| Securities available for sale | 36,947,000 | 37,593,000 | 40,362,000 | 35,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 549,808,000 | 552,788,000 | 565,864,000 | 584,440,000 |
| Interest-bearing deposits | 482,805,000 | 484,574,000 | 491,908,000 | 511,174,000 |
| Noninterest-bearing deposits | 67,003,000 | 68,214,000 | 73,956,000 | 73,265,000 |
| Equity capital | 88,287,000 | 90,762,000 | 93,772,000 | 86,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,541,000 | 13,778,000 | 21,890,000 | 30,725,000 |
| Interest expense | 754,000 | 1,526,000 | 2,388,000 | 3,330,000 |
| Net interest income | 5,787,000 | 12,252,000 | 19,502,000 | 27,395,000 |
| Noninterest income | 820,000 | 1,832,000 | 2,653,000 | 2,568,000 |
| Noninterest expense | 4,533,000 | 9,128,000 | 14,182,000 | 19,999,000 |
| Provision for loan losses | 460,000 | 860,000 | 860,000 | 910,000 |
| Pretax income | 1,614,000 | 4,096,000 | 7,113,000 | 9,070,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,614,000 | 4,096,000 | 7,113,000 | 9,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,585,000 | 86,087,000 | 89,124,000 | 82,042,000 |
| Total capital | 91,084,000 | 93,959,000 | 97,366,000 | 90,243,000 |
| Risk-weighted assets | 597,870,000 | 627,292,000 | 657,167,000 | 655,702,000 |