Chester County Bank in Henderson, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Chester County Bank in Henderson, Tennessee (TN)
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Chester County Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 26Total employees (full-time equivalent)
  • $62,600Total assets
  • $9,535Cash and due from depository institutions
  • $6,764Interest-bearing balances
  • $19,854Securities
  • $4,136Federal funds sold & reverse repurchase agreements
  • $27,553Net loans & leases
  • $507Loan loss allowance
  • $0Trading account assets
  • $804Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $62,600Life insurance assets
  • $718All other assets
  • $56,828Total liabilities and capital
  • $54,835Total liabilities
  • $40,412Total deposits
  • $54,835Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,750Trading liabilities
  • $0Other borrowed funds
  • $243Subordinated debt
  • $5,772All other liabilities
  • $5,772Total equity capital
  • $5,772Total bank equity capital
  • $0Perpetual preferred stock
  • $230Common stock
  • $465Surplus
  • $5,077Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $203Income earned, not collected on loans
  • $0Earning assets
  • $360Long-term assets (5+ years)
  • $58,307Average Assets, year-to-date
  • $21,580Average Assets, quarterly
  • $58,566Volatile liabilities
  • $62,711Insider loans
  • $31,484FHLB advances
  • $62,833Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,291Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,467Restructured Loans and leases
  • $181Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,944Total interest income
  • $539Total interest expense
  • $2,405Net interest income
  • $69Provision for loan and lease losses
  • $299Total noninterest income
  • $0Fiduciary activities
  • $302Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3Additional noninterest income
  • $1,977Total noninterest expense
  • $1,164Salaries and employee benefits
  • $209Premises and equipment expense
  • $604Additional noninterest expense
  • $658Pre-tax net operating income
  • $2Securities gains (losses)
  • $194Applicable income taxes
  • $466Income before extraordinary items
  • $0Extraordinary gains - net
  • $466Net income attributable to bank
  • $0Net charge-offs
  • $466Cash dividends
  • $51Sale, conversion, retirement of capital stock, net
  • $115Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.47%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 8.54%Return on equity (ROE)
  • 6.44%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 135.29%Credit loss provision to net charge-offs
  • 14.25%Efficiency ratio
  • 73,114Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.68%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 249.75%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 50.25%Net loans and leases to core deposits
  • 52.71%Equity capital to assets
  • 9.22%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 16.81%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $58,566Average earning assets
  • $5,454Average equity
  • $53,762Average loans

List of branches

  • 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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