Call reports 2002
CHAMBERS BANK OF NORTH ARKANSAS — 2002
What CHAMBERS BANK OF NORTH ARKANSAS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 225,136,000 | 215,643,000 | 220,998,000 | 220,984,000 |
| Total loans | 173,915,000 | 183,682,000 | 182,484,000 | 184,810,000 |
| Allowance for loan losses | 1,867,000 | 2,002,000 | 2,084,000 | 2,107,000 |
| Securities available for sale | 10,894,000 | 12,001,000 | 11,099,000 | 10,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,786,000 | 168,775,000 | 163,393,000 | 163,464,000 |
| Interest-bearing deposits | 159,876,000 | 153,148,000 | 148,655,000 | 146,646,000 |
| Noninterest-bearing deposits | 15,910,000 | 15,627,000 | 14,738,000 | 16,818,000 |
| Equity capital | 20,370,000 | 21,063,000 | 21,771,000 | 22,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,683,000 | 7,375,000 | 11,034,000 | 14,610,000 |
| Interest expense | 1,616,000 | 3,171,000 | 4,616,000 | 5,855,000 |
| Net interest income | 2,067,000 | 4,204,000 | 6,418,000 | 8,755,000 |
| Noninterest income | 255,000 | 600,000 | 939,000 | 1,323,000 |
| Noninterest expense | 1,291,000 | 2,672,000 | 4,080,000 | 5,525,000 |
| Provision for loan losses | 105,000 | 240,000 | 419,000 | 1,204,000 |
| Pretax income | 926,000 | 1,892,000 | 2,859,000 | 3,350,000 |
| Income tax | 375,000 | 704,000 | 995,000 | 1,165,000 |
| Net income | 551,000 | 1,188,000 | 1,864,000 | 2,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,485,000 | 16,135,000 | 16,840,000 | 17,174,000 |
| Total capital | 17,352,000 | 18,137,000 | 18,924,000 | 19,281,000 |
| Risk-weighted assets | 171,682,000 | 179,366,000 | 178,686,000 | 179,539,000 |