Chambers Bank in Danville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Chambers Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 127Total employees (full-time equivalent)
  • $711,426Total assets
  • $9,346Cash and due from depository institutions
  • $250Interest-bearing balances
  • $37,756Securities
  • $42,425Federal funds sold & reverse repurchase agreements
  • $548,043Net loans & leases
  • $25,029Loan loss allowance
  • $0Trading account assets
  • $11,148Bank premises and fixed assets
  • $33,553Other real estate owned
  • $4,660Goodwill and other intangibles
  • $711,426Life insurance assets
  • $24,495All other assets
  • $633,385Total liabilities and capital
  • $589,002Total liabilities
  • $532,892Total deposits
  • $589,002Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,931Trading liabilities
  • $0Other borrowed funds
  • $4,452Subordinated debt
  • $78,041All other liabilities
  • $78,041Total equity capital
  • $78,041Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $47,100Surplus
  • $30,941Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,358Income earned, not collected on loans
  • $0Earning assets
  • $4,409Long-term assets (5+ years)
  • $628,474Average Assets, year-to-date
  • $21,679Average Assets, quarterly
  • $722,434Volatile liabilities
  • $716,748Insider loans
  • $613,903FHLB advances
  • $715,530Loans and leases held for sale
  • $16,109Unused loan commitments
  • $16,109Tier 1 (core) risk-based capital
  • $73,381Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,801Restructured Loans and leases
  • $5,018Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,687Total interest income
  • $6,966Total interest expense
  • $29,721Net interest income
  • $17,305Provision for loan and lease losses
  • -$668Total noninterest income
  • $0Fiduciary activities
  • $1,330Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,998Additional noninterest income
  • $13,568Total noninterest expense
  • $5,603Salaries and employee benefits
  • $2,440Premises and equipment expense
  • $5,525Additional noninterest expense
  • -$1,820Pre-tax net operating income
  • -$3,657Securities gains (losses)
  • $0Applicable income taxes
  • -$5,477Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,477Net income attributable to bank
  • $0Net charge-offs
  • -$5,477Cash dividends
  • $9,965Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.69%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.61%Net interest margin
  • -0.10%Noninterest income to earning assets
  • 2.11%Noninterest expense to earning assets
  • -0.25%Net operating income to assets
  • -0.76%Return on assets (ROA)
  • -0.76%Pretax return on assets
  • -6.65%Return on equity (ROE)
  • -6.65%Retained earnings to average equity (YTD only)
  • 1.68%Net charge-offs to loans
  • 173.66%Credit loss provision to net charge-offs
  • 1.55%Efficiency ratio
  • 46,701Assets per employee
  • 5.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.37%Loss allowance to noncurrent loans
  • 187.37%Noncurrent assets plus other real estate owned to assets
  • 6.59%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 93.05%Net loans and leases to core deposits
  • 103.86%Equity capital to assets
  • 10.97%Core capital (leverage) ratio
  • 10.26%Tier 1 risk-based capital ratio
  • 11.95%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $722,434Average earning assets
  • $82,368Average equity
  • $644,318Average loans

List of branches

  • 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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