FDIC Certificate #: 13251 Status: Active Federal Reserve ID: 416357 Bank Holding Company (Regulatory Top Holder): Chambanco, Inc. (RSSDID: 1056125, Location: Chambers, NE) Date Established: November 01, 1901 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8384 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: September 23, 2010 Last Data Update: September 23, 2010 Data Source Date: April 05, 2012
Location
Address: 104 E Main St, Chambers, NE 68725 County: Holt Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $37.8 mil Equity capital: $9.5 mil Deposits held in domestic offices: $24.2 mil Return on assets (ROA): 0.95% ($0.4 mil) Quarterly return on assets: -1.45% (-$0.6 mil) Return on Equity (ROE): 3.72% ($0.4 mil) Quarterly return on equity: -5.64% (-$0.6 mil) Net income: $0.4 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 1.49% ($563.5 mil) Quarterly Pretax return on assets: -0.63% (-$238.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$37,819Total assets
$12,026Cash and due from depository institutions
$6,228Interest-bearing balances
$1,402Securities
$0Federal funds sold & reverse repurchase agreements
$23,792Net loans & leases
$277Loan loss allowance
$0Trading account assets
$60Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$37,819Life insurance assets
$539All other assets
$28,314Total liabilities and capital
$24,216Total liabilities
$16,838Total deposits
$24,216Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,899Trading liabilities
$0Other borrowed funds
$199Subordinated debt
$9,505All other liabilities
$9,505Total equity capital
$9,505Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$800Surplus
$8,505Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$403Income earned, not collected on loans
$0Earning assets
$463Long-term assets (5+ years)
$31,422Average Assets, year-to-date
$739Average Assets, quarterly
$36,822Volatile liabilities
$37,247Insider loans
$26,251FHLB advances
$36,846Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,505Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,420Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,408Total interest income
$127Total interest expense
$1,281Net interest income
$4Provision for loan and lease losses
$225Total noninterest income
$0Fiduciary activities
$47Service charges on deposit accounts
$0Trading account gains & fees
$178Additional noninterest income
$952Total noninterest expense
$707Salaries and employee benefits
$79Premises and equipment expense
$166Additional noninterest expense
$550Pre-tax net operating income
$0Securities gains (losses)
$199Applicable income taxes
$351Income before extraordinary items
$0Extraordinary gains - net
$351Net income attributable to bank
$0Net charge-offs
$351Cash dividends
$4Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.56%Yield on earning assets
0.41%Cost of funding earning assets
4.14%Net interest margin
0.73%Noninterest income to earning assets
3.08%Noninterest expense to earning assets
0.95%Net operating income to assets
0.95%Return on assets (ROA)
1.49%Pretax return on assets
3.72%Return on equity (ROE)
3.72%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
138.50%Efficiency ratio
63,214Assets per employee
6.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
68.73%Noncurrent assets plus other real estate owned to assets
1.07%Noncurrent loans to loans
1.67%Net loans and leases to deposits
98.25%Net loans and leases to core deposits
102.38%Equity capital to assets
25.13%Core capital (leverage) ratio
25.80%Tier 1 risk-based capital ratio
36.21%Total risk-based capital ratio
Memoranda
$37Average assets
$36,822Average earning assets
$9,424Average equity
$30,908Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8384
Chambers State Bank
104 E Main St, Chambers, NE 68725
November 01, 1901
Full Service Brick and Mortar
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