Chester National Bank in Chester, Illinois (IL), MO
Overview, Financial Summary, Detailed Financial Reports, Branches


Chester National Bank - Overview

  • General
  • FDIC Certificate #: 30220
    Status: Active
    Federal Reserve ID: 231279
    Bank Holding Company (Regulatory Top Holder): Chester Bancorp, Inc. (RSSDID: 2434104, Location: Chester, IL)
    Date Established: January 01, 1919
    WWW: http://www.chesternationalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: Yes)
    OTS Docket #: 4985
    FDIC's unique #: 43054
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 11, 1944
    Last Structure Change Effective Date: January 27, 2011
    Last Structure Change Process Date: Febuary 09, 2011
    Last Data Update: Febuary 09, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1112 State Street, Chester, IL 62233
    County: Randolph
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total assets: $84.9 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $75.7 mil
    Return on assets (ROA): 0.57% ($0.5 mil)
    Quarterly return on assets: 0.56% ($0.5 mil)
    Return on Equity (ROE): 5.46% ($0.5 mil)
    Quarterly return on equity: 5.17% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.67% ($569.2 mil)
    Quarterly Pretax return on assets: 0.66% ($560.7 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
  • 18Total employees (full-time equivalent)
  • $84,949Total assets
  • $18,160Cash and due from depository institutions
  • $17,134Interest-bearing balances
  • $21,932Securities
  • $2,560Federal funds sold & reverse repurchase agreements
  • $35,184Net loans & leases
  • $426Loan loss allowance
  • $0Trading account assets
  • $929Bank premises and fixed assets
  • $22Other real estate owned
  • $0Goodwill and other intangibles
  • $84,949Life insurance assets
  • $6,162All other assets
  • $75,747Total liabilities and capital
  • $75,658Total liabilities
  • $67,112Total deposits
  • $75,658Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $89Subordinated debt
  • $9,202All other liabilities
  • $9,202Total equity capital
  • $9,202Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $4,250Surplus
  • $1,952Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28Income earned, not collected on loans
  • $0Earning assets
  • $302Long-term assets (5+ years)
  • $76,810Average Assets, year-to-date
  • $44,747Average Assets, quarterly
  • $86,893Volatile liabilities
  • $84,679Insider loans
  • $34,970FHLB advances
  • $84,842Loans and leases held for sale
  • $3,694Unused loan commitments
  • $3,694Tier 1 (core) risk-based capital
  • $9,088Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,234Restructured Loans and leases
  • $2,835Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,787Total interest income
  • $787Total interest expense
  • $2,000Net interest income
  • -$10Provision for loan and lease losses
  • $287Total noninterest income
  • $0Fiduciary activities
  • $57Service charges on deposit accounts
  • $0Trading account gains & fees
  • $230Additional noninterest income
  • $1,810Total noninterest expense
  • $898Salaries and employee benefits
  • $238Premises and equipment expense
  • $674Additional noninterest expense
  • $487Pre-tax net operating income
  • $95Securities gains (losses)
  • $84Applicable income taxes
  • $498Income before extraordinary items
  • $0Extraordinary gains - net
  • $498Net income attributable to bank
  • $0Net charge-offs
  • $498Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $458Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.56%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 2.55%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.31%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 5.46%Return on equity (ROE)
  • 0.44%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • -1000.00%Credit loss provision to net charge-offs
  • 477.00%Efficiency ratio
  • 79,143Assets per employee
  • 4.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.97%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 1521.43%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 46.50%Net loans and leases to core deposits
  • 49.22%Equity capital to assets
  • 10.83%Core capital (leverage) ratio
  • 10.71%Tier 1 risk-based capital ratio
  • 25.99%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $86,893Average earning assets
  • $9,117Average equity
  • $78,353Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043054Chester National Bank1112 State Street, Chester, IL 62233January 01, 1919Full Service Brick and Mortar
    10140742Sparta Branch165 West Broadway, Sparta, IL 62286January 01, 1886Full Service Brick and Mortar
    102264092Red Bud Branch1414 South Main Street, Red Bud, IL 62278January 01, 1886Full Service Brick and Mortar
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    10557118Perryville Branch1010 North Main Street, Perryville, MO 63775October 05, 1996Full Service Brick and Mortar

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