Call reports 2003
CHAMBERS BANK OF NORTH ARKANSAS — 2003
What CHAMBERS BANK OF NORTH ARKANSAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 214,969,000 | 211,054,000 | 209,401,000 | 227,778,000 |
| Total loans | 169,922,000 | 178,555,000 | 170,289,000 | 181,453,000 |
| Allowance for loan losses | 2,231,000 | 2,329,000 | 2,282,000 | 2,373,000 |
| Securities available for sale | 11,022,000 | 10,901,000 | 8,308,000 | 7,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,458,000 | 167,120,000 | 161,004,000 | 173,782,000 |
| Interest-bearing deposits | 154,448,000 | 151,098,000 | 144,688,000 | 150,942,000 |
| Noninterest-bearing deposits | 17,010,000 | 16,022,000 | 16,316,000 | 22,840,000 |
| Equity capital | 22,666,000 | 23,253,000 | 23,844,000 | 24,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,345,000 | 6,639,000 | 9,870,000 | 12,968,000 |
| Interest expense | 1,151,000 | 2,244,000 | 3,257,000 | 4,166,000 |
| Net interest income | 2,194,000 | 4,395,000 | 6,613,000 | 8,802,000 |
| Noninterest income | 353,000 | 713,000 | 1,129,000 | 1,460,000 |
| Noninterest expense | 1,412,000 | 2,832,000 | 4,231,000 | 5,686,000 |
| Provision for loan losses | 195,000 | 325,000 | 555,000 | 855,000 |
| Pretax income | 940,000 | 1,951,000 | 2,956,000 | 3,721,000 |
| Income tax | 320,000 | 735,000 | 1,126,000 | 1,416,000 |
| Net income | 620,000 | 1,216,000 | 1,830,000 | 2,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,807,000 | 18,417,000 | 19,052,000 | 19,665,000 |
| Total capital | 19,892,000 | 20,552,000 | 21,117,000 | 21,880,000 |
| Risk-weighted assets | 166,601,000 | 170,630,000 | 164,952,000 | 177,078,000 |