FDIC Certificate #: 34062 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Chambers Bank of North Arkansas (#108) Federal Reserve ID: 2333757 Date Established: September 06, 1995 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 12829 FDIC's unique #: 56141 Numeric code: 37 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: September 06, 1995 Last Structure Change Effective Date: August 30, 1999 Last Structure Change Process Date: October 01, 1999 Last Data Update: October 01, 1999 Data Source Date: April 05, 2012
Location
Address: 1685 East Joyce Avenue, 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: $75.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
46Total employees (full-time equivalent)
$65,660Total assets
$2,179Cash and due from depository institutions
$252Interest-bearing balances
$15,434Securities
$1,540Federal funds sold & reverse repurchase agreements
$40,878Net loans & leases
$335Loan loss allowance
$0Trading account assets
$3,423Bank premises and fixed assets
$0Other real estate owned
$822Goodwill and other intangibles
$0Life insurance assets
$1,384All other assets
$65,660Total liabilities and capital
$60,386Total liabilities
$47,953Total deposits
$42,732Interest-bearing deposits
$47,953Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$12,208Other borrowed funds
$0Subordinated debt
$225All other liabilities
$5,274Total equity capital
$5,274Total bank equity capital
$5,274Perpetual preferred stock
$0Common stock
$1Surplus
$5,770Undivided profits
Memoranda
$-497Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$32Earning assets
$0Long-term assets (5+ years)
$292Average Assets, year-to-date
$58,104Average Assets, quarterly
$0Volatile liabilities
$45,421Insider loans
$57,546FHLB advances
$20,429Loans and leases held for sale
$1,925Unused loan commitments
$12,208Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$11,275Total unused commitments
$0Restructured Loans and leases
$42,605Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$3,244Total interest income
$1,759Total interest expense
$1,485Net interest income
$204Provision for loan and lease losses
$803Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$803Additional noninterest income
$2,704Total noninterest expense
$1,646Salaries and employee benefits
$458Premises and equipment expense
$600Additional noninterest expense
-$620Pre-tax net operating income
$0Securities gains (losses)
-$232Applicable income taxes
-$388Income before extraordinary items
$0Extraordinary gains - net
-$388Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$6Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.37%Yield on earning assets
4.54%Cost of funding earning assets
3.83%Net interest margin
2.07%Noninterest income to earning assets
6.98%Noninterest expense to earning assets
-0.85%Net operating income to assets
-0.85%Return on assets (ROA)
-1.37%Pretax return on assets
-8.37%Return on equity (ROE)
-8.37%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
3400.00%Credit loss provision to net charge-offs
-69.33%Efficiency ratio
117,308Assets per employee
1.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.81%Loss allowance to noncurrent loans
1046.88%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.08%Net loans and leases to deposits
85.25%Net loans and leases to core deposits
102.88%Equity capital to assets
8.03%Core capital (leverage) ratio
6.86%Tier 1 risk-based capital ratio
10.45%Total risk-based capital ratio
Memoranda
$11Average assets
$45,421Average earning assets
$4,636Average equity
$38,764Average loans
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