Call reports 2004
CHAMBERS BANK OF NORTH ARKANSAS — 2004
What CHAMBERS BANK OF NORTH ARKANSAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 211,331,000 | 211,971,000 | 225,336,000 | 242,426,000 |
| Total loans | 181,155,000 | 184,901,000 | 194,450,000 | 193,566,000 |
| Allowance for loan losses | 2,404,000 | 2,460,000 | 2,501,000 | 2,329,000 |
| Securities available for sale | 7,764,000 | 7,740,000 | 8,285,000 | 8,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,365,000 | 150,458,000 | 171,738,000 | 183,971,000 |
| Interest-bearing deposits | 139,267,000 | 130,691,000 | 147,560,000 | 162,655,000 |
| Noninterest-bearing deposits | 20,098,000 | 19,767,000 | 24,178,000 | 21,316,000 |
| Equity capital | 25,201,000 | 25,862,000 | 26,764,000 | 27,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,244,000 | 6,621,000 | 9,916,000 | 13,238,000 |
| Interest expense | 814,000 | 1,586,000 | 2,479,000 | 3,420,000 |
| Net interest income | 2,430,000 | 5,035,000 | 7,437,000 | 9,818,000 |
| Noninterest income | 300,000 | 643,000 | 1,433,000 | 1,808,000 |
| Noninterest expense | 1,399,000 | 2,862,000 | 4,393,000 | 5,799,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 335,000 |
| Pretax income | 1,136,000 | 2,426,000 | 3,892,000 | 5,492,000 |
| Income tax | 371,000 | 874,000 | 1,440,000 | 2,035,000 |
| Net income | 765,000 | 1,552,000 | 2,452,000 | 3,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,454,000 | 21,147,000 | 22,061,000 | 23,078,000 |
| Total capital | 22,651,000 | 23,402,000 | 24,442,000 | 25,407,000 |
| Risk-weighted assets | 175,551,000 | 180,180,000 | 190,332,000 | 190,921,000 |