Chambers Bank

Chambers Bank is headquartered in Danville and is the 16^st largest bank in the state of Arkansas. It is also the 925^th largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 129 employees at 20 locations. Chambers Bank has a 3-star health rating.

Chambers Bank Routing Number: 082907008

Data for Q1 2012

Institution Statistics Chambers Bank FDIC Certificate # 5615 BankRate Report View Year Established 1930 Employees 129 Primary Regulator FDIC Assets and Liabilities Assets $718.59 million Loans $532.17 million Deposits $598.80 million Equity Capital $80.39 million Loan Loss Allowance $23.96 million Unbacked Noncurrent Loans $22.50 million Real Estate Owned $36.30 million Historic Data - March 2011 Assets $720.42 million Equity Capital $85.44 million Loan Loss Allowance $20.64 million Unbacked Noncurrent Loans $18.88 million Real Estate Owned $24.47 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 1.31% Return on Equity 11.86% Interest Income $7.89 million

Institution Health Overall Score: 3 out of 5 Texas Ratio 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 March 31, 2012 Chambers Bank had $58.8 million in non-current loans and owned real-estate with $104.35 million in equity and loan loss allowances on hand to cover it. This gives Chambers Bank a Texas Ratio of 56.35% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Chambers Bank increased slightly from 40.48% as of March 31, 2011 to 56.35% as of March 31, 2012, resulting in a negative change of 39.20%. This indicates that the balance sheet and financial strength for Chambers Bank has declined slightly in recent periods. Deposit Growth In the past year, Chambers Bank has decreased its total deposits by $-257,000, resulting in -0.04% 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 average. Capitalization 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 $718.59 million in assets with $104.35 million in equity, resulting in a capitalization level of 14.52%, which is excellent.

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