Call reports 2007
CHAMBERS BANK OF NORTH ARKANSAS — 2007
What CHAMBERS BANK OF NORTH ARKANSAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 326,051,000 | 315,379,000 | 309,352,000 | 290,394,000 |
| Total loans | 296,823,000 | 285,454,000 | 277,940,000 | 263,567,000 |
| Allowance for loan losses | 2,535,000 | 2,610,000 | 3,164,000 | 3,337,000 |
| Securities available for sale | 4,981,000 | 4,978,000 | 5,990,000 | 5,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,931,000 | 231,705,000 | 218,000,000 | 224,332,000 |
| Interest-bearing deposits | 225,685,000 | 211,706,000 | 199,543,000 | 210,767,000 |
| Noninterest-bearing deposits | 20,246,000 | 19,999,000 | 18,457,000 | 13,564,000 |
| Equity capital | 37,916,000 | 38,775,000 | 39,643,000 | 39,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,642,000 | 13,358,000 | 19,868,000 | 25,615,000 |
| Interest expense | 3,149,000 | 6,344,000 | 9,438,000 | 12,295,000 |
| Net interest income | 3,493,000 | 7,014,000 | 10,430,000 | 13,320,000 |
| Noninterest income | 227,000 | 318,000 | 664,000 | 859,000 |
| Noninterest expense | 2,012,000 | 4,068,000 | 6,064,000 | 7,857,000 |
| Provision for loan losses | 0 | 175,000 | 575,000 | 1,775,000 |
| Pretax income | 1,708,000 | 3,089,000 | 4,455,000 | 4,547,000 |
| Income tax | 646,000 | 1,167,000 | 1,672,000 | 1,731,000 |
| Net income | 1,062,000 | 1,922,000 | 2,783,000 | 2,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,263,000 | 34,122,000 | 34,985,000 | 35,017,000 |
| Total capital | 35,798,000 | 36,732,000 | 38,149,000 | 38,354,000 |
| Risk-weighted assets | 279,749,000 | 293,446,000 | 288,115,000 | 273,766,000 |