Call reports 2006
CHAMBERS BANK OF NORTH ARKANSAS — 2006
What CHAMBERS BANK OF NORTH ARKANSAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 307,411,000 | 331,694,000 | 333,755,000 | 331,717,000 |
| Total loans | 276,874,000 | 298,790,000 | 303,094,000 | 292,613,000 |
| Allowance for loan losses | 2,601,000 | 2,582,000 | 2,741,000 | 2,753,000 |
| Securities available for sale | 8,015,000 | 8,015,000 | 8,052,000 | 4,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,380,000 | 238,701,000 | 241,364,000 | 254,997,000 |
| Interest-bearing deposits | 195,858,000 | 214,540,000 | 219,435,000 | 225,117,000 |
| Noninterest-bearing deposits | 29,522,000 | 24,161,000 | 21,929,000 | 29,880,000 |
| Equity capital | 33,494,000 | 34,586,000 | 35,778,000 | 36,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,689,000 | 11,901,000 | 18,699,000 | 25,376,000 |
| Interest expense | 2,080,000 | 4,655,000 | 7,781,000 | 10,953,000 |
| Net interest income | 3,609,000 | 7,246,000 | 10,918,000 | 14,423,000 |
| Noninterest income | 301,000 | 561,000 | 844,000 | 1,154,000 |
| Noninterest expense | 1,827,000 | 3,824,000 | 5,778,000 | 7,868,000 |
| Provision for loan losses | 90,000 | 180,000 | 345,000 | 335,000 |
| Pretax income | 1,993,000 | 3,803,000 | 5,639,000 | 7,374,000 |
| Income tax | 740,000 | 1,455,000 | 2,117,000 | 2,786,000 |
| Net income | 1,253,000 | 2,348,000 | 3,522,000 | 4,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,865,000 | 29,960,000 | 31,135,000 | 32,201,000 |
| Total capital | 31,466,000 | 32,542,000 | 33,876,000 | 34,954,000 |
| Risk-weighted assets | 274,702,000 | 297,927,000 | 303,260,000 | 293,903,000 |