FDIC Certificate #: 23122 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Chambers Bank (#5615) Federal Reserve ID: 841445 Date Established: May 19, 1980 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 10273 FDIC's unique #: 16197 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: May 19, 1980 Last Structure Change Effective Date: September 05, 2000 Last Structure Change Process Date: October 06, 2000 Last Data Update: October 06, 2000 Data Source Date: April 05, 2012
Location
Address: Main And Church Streets, Waldron, AR 72958 County: Scott 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
Financial Summary
Total assets: $88.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
33Total employees (full-time equivalent)
$79,620Total assets
$2,729Cash and due from depository institutions
$14Interest-bearing balances
$16,755Securities
$600Federal funds sold & reverse repurchase agreements
$56,152Net loans & leases
$804Loan loss allowance
$0Trading account assets
$2,202Bank premises and fixed assets
$132Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,050All other assets
$79,620Total liabilities and capital
$71,089Total liabilities
$70,795Total deposits
$65,283Interest-bearing deposits
$70,795Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$294All other liabilities
$8,531Total equity capital
$8,531Total bank equity capital
$8,531Perpetual preferred stock
$0Common stock
$400Surplus
$1,100Undivided profits
Memoranda
$7,031Noncurrent loans and leases
$1,242Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$63Earning assets
$0Long-term assets (5+ years)
$637Average Assets, year-to-date
$73,521Average Assets, quarterly
$5,214Volatile liabilities
$79,701Insider loans
$79,273FHLB advances
$22,984Loans and leases held for sale
$278Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,242Total unused commitments
$0Restructured Loans and leases
$705Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$6,153Total interest income
$3,138Total interest expense
$3,015Net interest income
$148Provision for loan and lease losses
$440Total noninterest income
$0Fiduciary activities
$270Service charges on deposit accounts
$0Trading account gains & fees
$170Additional noninterest income
$2,004Total noninterest expense
$908Salaries and employee benefits
$387Premises and equipment expense
$709Additional noninterest expense
$1,303Pre-tax net operating income
$0Securities gains (losses)
$363Applicable income taxes
$940Income before extraordinary items
$0Extraordinary gains - net
$940Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$22Sale, conversion, retirement of capital stock, net
$1,000Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.27%Yield on earning assets
4.22%Cost of funding earning assets
4.05%Net interest margin
0.59%Noninterest income to earning assets
2.69%Noninterest expense to earning assets
1.18%Net operating income to assets
1.18%Return on assets (ROA)
1.63%Pretax return on assets
11.30%Return on equity (ROE)
-0.72%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
-672.73%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,003Assets per employee
2.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
106.38%Loss allowance to loans
1.41%Loss allowance to noncurrent loans
1276.19%Noncurrent assets plus other real estate owned to assets
0.24%Noncurrent loans to loans
0.11%Net loans and leases to deposits
79.32%Net loans and leases to core deposits
117.45%Equity capital to assets
10.71%Core capital (leverage) ratio
10.88%Tier 1 risk-based capital ratio
15.35%Total risk-based capital ratio
Memoranda
$17Average assets
$79,701Average earning assets
$8,316Average equity
$74,402Average loans
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