Chambers Bank of North Arkansas in Fayetteville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 24, 2008

  • Chambers Bank of North Arkansas in Fayetteville, Arkansas (AR)
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Chambers Bank of North Arkansas - Overview

  • General
  • FDIC Certificate #: 108
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Chambers Bank (#5615)
    Federal Reserve ID: 649548
    Date Established: June 01, 1912
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 9925
    FDIC's unique #: 87
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    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: 1685 East Joyce Boulevard, Fayetteville, AR 72703
    County: Washington
    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
    Metropolitan Statistical Area (MSA): Fayetteville-Springdale-Rogers, AR (#2580)
    Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220)
    CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
  • Financial Summary
  • Total assets: $287.4 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, 2007)

  • Dollar figures in thousands
  • 73Total employees (full-time equivalent)
  • $290,394Total assets
  • $4,839Cash and due from depository institutions
  • $127Interest-bearing balances
  • $5,895Securities
  • $380Federal funds sold & reverse repurchase agreements
  • $260,230Net loans & leases
  • $3,337Loan loss allowance
  • $0Trading account assets
  • $5,662Bank premises and fixed assets
  • $600Other real estate owned
  • $4,660Goodwill and other intangibles
  • $0Life insurance assets
  • $8,128All other assets
  • $290,394Total liabilities and capital
  • $250,716Total liabilities
  • $224,332Total deposits
  • $210,767Interest-bearing deposits
  • $224,332Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $25,000Other borrowed funds
  • $0Subordinated debt
  • $1,384All other liabilities
  • $39,678Total equity capital
  • $39,678Total bank equity capital
  • $39,678Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $16,520Undivided profits
  • Memoranda
  • $23,157Noncurrent loans and leases
  • $25,917Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,788Earning assets
  • $0Long-term assets (5+ years)
  • $4,502Average Assets, year-to-date
  • $266,632Average Assets, quarterly
  • $3,344Volatile liabilities
  • $314,579Insider loans
  • $299,873FHLB advances
  • $93,879Loans and leases held for sale
  • $75Unused loan commitments
  • $25,000Tier 1 (core) risk-based capital
  • $3,774Tier 2 risk-based capital
  • $501Total risk weighted assets
  • $25,917Total unused commitments
  • $0Restructured Loans and leases
  • $3,337Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $25,615Total interest income
  • $12,295Total interest expense
  • $13,320Net interest income
  • $1,775Provision for loan and lease losses
  • $859Total noninterest income
  • $0Fiduciary activities
  • $544Service charges on deposit accounts
  • $0Trading account gains & fees
  • $315Additional noninterest income
  • $7,857Total noninterest expense
  • $4,307Salaries and employee benefits
  • $1,419Premises and equipment expense
  • $2,131Additional noninterest expense
  • $4,547Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,731Applicable income taxes
  • $2,816Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,816Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,191Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.85%Yield on earning assets
  • 4.25%Cost of funding earning assets
  • 4.60%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 7.30%Return on equity (ROE)
  • 7.30%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 149.03%Credit loss provision to net charge-offs
  • 5.31%Efficiency ratio
  • 55,413Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 88.09%Noncurrent assets plus other real estate owned to assets
  • 1.51%Noncurrent loans to loans
  • 1.44%Net loans and leases to deposits
  • 116.00%Net loans and leases to core deposits
  • 199.48%Equity capital to assets
  • 13.66%Core capital (leverage) ratio
  • 11.99%Tier 1 risk-based capital ratio
  • 12.79%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $314,579Average earning assets
  • $38,574Average equity
  • $289,551Average loans

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