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Overview / Commentary
901 Main Street
Danville, AR 72833

Chambers Bank is headquartered in Danville and is the 12st largest bank in the state of Arkansas. It is also the 900th largest bank in the nation. It was established in 1930 and as of December of 2013, it had grown to 174 employees at 20 locations. Chambers Bank has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C-

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Chambers Bank had $57.14 million in non-current loans and owned real-estate with $101.62 million in equity and loan loss allowances on hand to cover it. This gives Chambers Bank a Texas Ratio of 56.23% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Chambers Bank decreased slightly from 64.96% as of December 31, 2012 to 56.23% as of December 31, 2013, resulting in a positive change of 13.44%.This indicates that the balance sheet and financial strength for Chambers Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, Chambers Bank has decreased its total deposits by -$236.14 million, resulting in -26.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Chambers Bank has shown is poor.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Chambers Bank has $747.78 million in assets with $101.62 million in equity, resulting in a capitalization level of 13.59%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #5615
Year Established1930
Employees174
Primary RegulatorFDIC
Assets and Liabilities
Assets$747.78 million
Loans$538.99 million
Deposits$641.73 million
Equity Capital$84.52 million
Loan Loss Allowance$17.10 million
Unbacked Noncurrent Loans$15.35 million
Real Estate Owned$41.79 million
Historic Data - December 2012
Assets$1.01 billion
Equity Capital$80.11 million
Loan Loss Allowance$22.80 million
Unbacked Noncurrent Loans$15.35 million
Real Estate Owned$52.02 million
Profit Margin - Quarterly
Net Interest Margin4.05%
Return on Assets0.5%
Return on Equity5.25%
Interest Income$35.30 million
Rates

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Locations

Chambers Bank has 20 locations. Click to view all Chambers Bank locations.