Chester County Bank in Henderson, Tennessee (TN)

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Chester County Bank routing number info

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Chester County Bank
GeneralFDIC Certificate #: 19813
Status: Active
Federal Reserve ID: 86554
Bank Holding Company (Regulatory Top Holder): Chester County Bancshares, Inc. (RSSDID: 1248582, Location: Henderson, TN)
Date Established: April 22, 1968
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 10755
FDIC's unique #: 13607
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 22, 1968
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: Main And Franklin Streets, Henderson, TN 38340
County: Chester
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Jackson, TN (#3580)
Combined Statistical Area (CSA): Jackson-Humboldt, TN (#297)
Core Based Statistical Area (CBSA): Jackson, TN (#27180)
CBSA Metro Statistical Area: Jackson, TN (#27180)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $62.6 mil
Equity capital: $5.8 mil
Deposits held in domestic offices: $54.8 mil
Return on assets (ROA): 0.80% ($0.5 mil)
Quarterly return on assets: 0.54% ($0.3 mil)
Return on Equity (ROE): 8.54% ($0.5 mil)
Quarterly return on equity: 5.84% ($0.4 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.13% ($707.4 mil)
Quarterly Pretax return on assets: 0.82% ($513.3 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)
Total employees (full-time equivalent)26
Total assets$62,600
Cash and due from depository institutions$9,535
Interest-bearing balances$6,764
Federal funds sold & reverse repurchase agreements$4,136
Net loans & leases$27,553
Loan loss allowance $507
Trading account assets$0
Bank premises and fixed assets$804
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$718
Life insurance assets$62,600
Total liabilities and capital$56,828
Total liabilities$54,835
Total deposits$40,412
Interest-bearing deposits$54,835
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,750
Other borrowed funds $0
Subordinated debt $243
All other liabilities $5,772
Total equity capital$5,772
Total bank equity capital$5,772
Perpetual preferred stock$0
Common stock$230
Undivided profits $5,077
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $203
Earning assets $0
Long-term assets (5+ years) $360
Average Assets, year-to-date $58,307
Average Assets, quarterly $21,580
Volatile liabilities $58,566
Insider loans $62,711
FHLB advances $31,484
Loans and leases held for sale $62,833
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,291
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,467
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,944
Total interest expense $539
Net interest income $2,405
Provision for loan and lease losses $69
Total noninterest income $299
Fiduciary activities $0
Service charges on deposit accounts $302
Trading account gains & fees $0
Additional noninterest income -$3
Total noninterest expense $1,977
Salaries and employee benefits $1,164
Premises and equipment expense $209
Additional noninterest expense $604
Pre-tax net operating income $658
Securities gains (losses) $2
Applicable income taxes $194
Income before extraordinary items $466
Extraordinary gains - net $0
Net income attributable to bank $466
Net charge-offs $0
Cash dividends $466
Sale, conversion, retirement of capital stock, net $51
Net operating income $115
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.48%
Cost of funding earning assets 1.00%
Net interest margin 4.47%
Noninterest income to earning assets 0.56%
Noninterest expense to earning assets 3.68%
Net operating income to assets 0.79%
Return on assets (ROA) 0.80%
Pretax return on assets 1.13%
Return on equity (ROE) 8.54%
Retained earnings to average equity (YTD only) 6.44%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 135.29%
Efficiency ratio14.25%
Assets per employee$73,114
Cash dividends to net income (YTD only)2.41%
Condition Ratios (%)
Loss allowance to loans 24.68%
Loss allowance to noncurrent loans 1.81%
Noncurrent assets plus other real estate owned to assets 249.75%
Noncurrent loans to loans 0.32%
Net loans and leases to deposits0.72%
Net loans and leases to core deposits 50.25%
Equity capital to assets 52.71%
Core capital (leverage) ratio 9.22%
Tier 1 risk-based capital ratio 8.42%
Total risk-based capital ratio 16.81%
Average assets$18
Average earning assets$58,566
Average equity $5,454
Average loans $53,762
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4 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013607Chester County BankMain And Franklin Streets, Henderson, TN 38340April 22, 1968Full Service Brick and Mortar
1249570Enville Branch8430 Main Street, Enville, TN 38332November 19, 1979Full Service Brick and Mortar
2249571Henderson Branch410 East Main Street, Henderson, TN 38340July 23, 1990Full Service Brick and Mortar
3249572East Main Branch657 East Main Street, Henderson, TN 38340March 25, 1991Full Service Brick and Mortar
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