Call reports 2008
CHAMBERS BANK OF NORTH ARKANSAS — 2008
What CHAMBERS BANK OF NORTH ARKANSAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Total assets | 297,751,000 | 308,714,000 | 287,433,000 |
| Total loans | 271,027,000 | 270,582,000 | 262,466,000 |
| Allowance for loan losses | 3,343,000 | 3,447,000 | 3,680,000 |
| Securities available for sale | 3,898,000 | 13,887,000 | 3,877,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 221,391,000 | 216,840,000 | 205,294,000 |
| Interest-bearing deposits | 207,705,000 | 199,947,000 | 187,304,000 |
| Noninterest-bearing deposits | 13,686,000 | 16,894,000 | 17,990,000 |
| Equity capital | 40,112,000 | 40,606,000 | 38,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Interest income | 5,194,000 | 10,295,000 | 14,948,000 |
| Interest expense | 2,705,000 | 5,251,000 | 7,595,000 |
| Net interest income | 2,489,000 | 5,044,000 | 7,353,000 |
| Noninterest income | 160,000 | 355,000 | 459,000 |
| Noninterest expense | 1,842,000 | 3,671,000 | 5,564,000 |
| Provision for loan losses | 150,000 | 300,000 | 3,600,000 |
| Pretax income | 657,000 | 1,428,000 | -1,352,000 |
| Income tax | 225,000 | 496,000 | -538,000 |
| Net income | 432,000 | 932,000 | -814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 35,449,000 | 35,950,000 | 34,204,000 |
| Total capital | 38,792,000 | 39,397,000 | 37,601,000 |
| Risk-weighted assets | 280,787,000 | 285,113,000 | 271,510,000 |