Chambers Bank in Danville, Arkansas (AR)



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Chambers Bank
GeneralFDIC Certificate #: 5615
Status: Active
Federal Reserve ID: 517049
Bank Holding Company (Regulatory Top Holder): Chambers Bancshares, Inc. (RSSDID: 1141487, Location: Danville, AR)
Date Established: October 07, 1930
WWW: http://www.chambers-bank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 20 (Domestic: 20, Interstate: No)
OTS Docket #: 10237
FDIC's unique #: 3823
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 24, 2008
Last Structure Change Process Date: December 08, 2008
Last Data Update: December 08, 2008
Data Source Date: April 05, 2012
LocationAddress: 901 Main Street, Danville, AR 72833
County: Yell
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): Russellville, AR (#40780)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $711.4 mil
Equity capital: $78.0 mil
Deposits held in domestic offices: $589.0 mil
Return on assets (ROA): -0.76% (-$5.4 mil)
Quarterly return on assets: -3.31% (-$23.5 mil)
Return on Equity (ROE): -6.65% (-$5.2 mil)
Quarterly return on equity: -29.32% (-$22.9 mil)
Net income: -$5.5 mil
Quarterly Net income: -$5.9 mil
Pretax return on assets: -0.76% (-$5,406.8 mil)
Quarterly Pretax return on assets: -3.31% (-$23,548.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)127
Total assets$711,426
Cash and due from depository institutions$9,346
Interest-bearing balances$250
Securities$37,756
Federal funds sold & reverse repurchase agreements$42,425
Net loans & leases$548,043
Loan loss allowance $25,029
Trading account assets$0
Bank premises and fixed assets$11,148
Other real estate owned$33,553
Goodwill and other intangibles$4,660
All other assets$24,495
Life insurance assets$711,426
Total liabilities and capital$633,385
Total liabilities$589,002
Total deposits$532,892
Interest-bearing deposits$589,002
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$39,931
Other borrowed funds $0
Subordinated debt $4,452
All other liabilities $78,041
Total equity capital$78,041
Total bank equity capital$78,041
Perpetual preferred stock$0
Common stock$0
Surplus$47,100
Undivided profits $30,941
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $13,358
Earning assets $0
Long-term assets (5+ years) $4,409
Average Assets, year-to-date $628,474
Average Assets, quarterly $21,679
Volatile liabilities $722,434
Insider loans $716,748
FHLB advances $613,903
Loans and leases held for sale $715,530
Unused loan commitments $16,109
Tier 1 (core) risk-based capital $16,109
Tier 2 risk-based capital $73,381
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,801
Derivatives$5,018
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $36,687
Total interest expense $6,966
Net interest income $29,721
Provision for loan and lease losses $17,305
Total noninterest income -$668
Fiduciary activities $0
Service charges on deposit accounts $1,330
Trading account gains & fees $0
Additional noninterest income -$1,998
Total noninterest expense $13,568
Salaries and employee benefits $5,603
Premises and equipment expense $2,440
Additional noninterest expense $5,525
Pre-tax net operating income -$1,820
Securities gains (losses) -$3,657
Applicable income taxes $0
Income before extraordinary items -$5,477
Extraordinary gains - net $0
Net income attributable to bank -$5,477
Net charge-offs $0
Cash dividends -$5,477
Sale, conversion, retirement of capital stock, net $9,965
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.69%
Cost of funding earning assets 1.08%
Net interest margin 4.61%
Noninterest income to earning assets -0.10%
Noninterest expense to earning assets 2.11%
Net operating income to assets -0.25%
Return on assets (ROA) -0.76%
Pretax return on assets -0.76%
Return on equity (ROE) -6.65%
Retained earnings to average equity (YTD only) -6.65%
Net charge-offs to loans 1.68%
Credit loss provision to net charge-offs 173.66%
Efficiency ratio1.55%
Assets per employee$46,701
Cash dividends to net income (YTD only)5.60%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.37%
Noncurrent assets plus other real estate owned to assets 187.37%
Noncurrent loans to loans 6.59%
Net loans and leases to deposits2.33%
Net loans and leases to core deposits 93.05%
Equity capital to assets 103.86%
Core capital (leverage) ratio 10.97%
Tier 1 risk-based capital ratio 10.26%
Total risk-based capital ratio 11.95%
Memoranda
Average assets$13
Average earning assets$722,434
Average equity $82,368
Average loans $644,318
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20 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03823Chambers Bank901 Main Street, Danville, AR 72833October 07, 1930Full Service Brick and Mortar
1202078Hot Springs Village Branch101 Ponderosa Way, Hot Springs Village, AR 71909June 19, 1978Full Service Brick and Mortar
2207890Havana BranchHwy 309 N, Havana, AR 72842July 25, 1997Full Service Brick and Mortar
3294974Hot Springs Village4508 North Highway 7, Hot Springs Village, AR 71909July 12, 1999Full Service Brick and Mortar
416197Waldron BranchMain And Church Streets, Waldron, AR 72958May 19, 1980Full Service Brick and Mortar
5255923Mansfield BranchHighway 96, Mansfield, AR 72944December 26, 1990Full Service Brick and Mortar
6255925Mena Branch300 Highway 71, Mena, AR 71953March 21, 1994Full Service Brick and Mortar
73826Bank Of Amity BranchPublic Square And Highways 8 And 84, Amity, AR 71921November 30, 1905Full Service Brick and Mortar
8294975Kirby Branch3075 Highway 70 West, Kirby, AR 71950August 03, 1999Full Service Brick and Mortar
9360332Towson Avenue Branch4418 Towson Avenue, Fort Smith, AR 72901May 07, 2001Full Service Brick and Mortar
10363219Chambers Branch - Fort Smith8400 Rogers Avenue, Fort Smith, AR 72901January 14, 2002Full Service Brick and Mortar
11428777Danville Branch310 East 8th Street, Danville, AR 72833April 19, 2004Full Service Brick and Mortar
12434068Dardanelle Branch510 Union Street, Dardanelle, AR 72834January 03, 2005Full Service Brick and Mortar
1387East Joyce Avenue Branch1685 East Joyce Boulevard, Fayetteville, AR 72703June 01, 1912Full Service Brick and Mortar
14181071North Highway 16 BranchState Highway 16 And Riverview Drive, Elkins, AR 72727August 28, 1985Limited Service Facility
15181072Goshen BranchHighway 45, Goshen, AR 72735October 01, 1990Full Service Brick and Mortar
1656141Elkins Branch348 N Center, Elkins, AR 72727September 06, 1995Full Service Brick and Mortar
17290352West Grove Avenue Branch100 West Grove Avenue, Springdale, AR 72764September 22, 1997Full Service Brick and Mortar
19453286Johnson Branch4100 Corporate Center Drive, Springdale, AR 72762January 01, 2006Full Service Brick and Mortar
20500100Bentonville Branch1100 S E Walton Boulevard, Bentonville, AR 72712January 04, 2010Full Service Brick and Mortar
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