FDIC Certificate #: 5618 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Chambers Bank (#5615) Federal Reserve ID: 369444 Date Established: November 30, 1905 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 3826 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: September 18, 2000 Last Structure Change Process Date: October 10, 2000 Last Data Update: October 10, 2000 Data Source Date: April 05, 2012
Location
Address: Public Square And Highways 8 And 84, Amity, AR 71921 County: Clark Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Little Rock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Arkadelphia, AR (#11660) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $62.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
14Total employees (full-time equivalent)
$61,393Total assets
$3,195Cash and due from depository institutions
$0Interest-bearing balances
$16,978Securities
$1,000Federal funds sold & reverse repurchase agreements
$38,769Net loans & leases
$621Loan loss allowance
$0Trading account assets
$617Bank premises and fixed assets
$3Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$831All other assets
$61,393Total liabilities and capital
$55,099Total liabilities
$54,697Total deposits
$49,294Interest-bearing deposits
$54,697Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$402All other liabilities
$6,294Total equity capital
$6,294Total bank equity capital
$6,294Perpetual preferred stock
$0Common stock
$100Surplus
$2,400Undivided profits
Memoranda
$3,794Noncurrent loans and leases
$1,580Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$316Earning assets
$0Long-term assets (5+ years)
$369Average Assets, year-to-date
$56,747Average Assets, quarterly
$1,316Volatile liabilities
$62,512Insider loans
$62,522FHLB advances
$17,633Loans and leases held for sale
$961Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,580Total unused commitments
$0Restructured Loans and leases
$539Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$4,517Total interest income
$2,317Total interest expense
$2,200Net interest income
$0Provision for loan and lease losses
$192Total noninterest income
$0Fiduciary activities
$163Service charges on deposit accounts
$0Trading account gains & fees
$29Additional noninterest income
$896Total noninterest expense
$385Salaries and employee benefits
$125Premises and equipment expense
$386Additional noninterest expense
$1,496Pre-tax net operating income
$1Securities gains (losses)
$453Applicable income taxes
$1,044Income before extraordinary items
$0Extraordinary gains - net
$1,044Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$32Sale, conversion, retirement of capital stock, net
$1,000Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.72%Yield on earning assets
3.96%Cost of funding earning assets
3.76%Net interest margin
0.33%Noninterest income to earning assets
1.53%Noninterest expense to earning assets
1.67%Net operating income to assets
1.67%Return on assets (ROA)
2.39%Pretax return on assets
16.65%Return on equity (ROE)
0.70%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
37,458Assets per employee
4.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
95.79%Loss allowance to loans
1.58%Loss allowance to noncurrent loans
196.52%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
0.80%Net loans and leases to deposits
70.88%Net loans and leases to core deposits
104.60%Equity capital to assets
10.25%Core capital (leverage) ratio
10.18%Tier 1 risk-based capital ratio
14.82%Total risk-based capital ratio
Memoranda
$16Average assets
$62,512Average earning assets
$6,271Average equity
$58,507Average loans
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