Chester National Bank of Missouri in Perryville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 27, 2011

  • Chester National Bank of Missouri in Perryville, Missouri (MO)
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Chester National Bank of Missouri - Overview

  • General
  • FDIC Certificate #: 34359
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Chester National Bank (#30220)
    Federal Reserve ID: 2482851
    Date Established: October 05, 1996
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 57118
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: October 05, 1996
    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: 1010 North Main Street, Perryville, MO 63775
    County: Perry
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Chicago
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $7.5 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, 2010)

  • Dollar figures in thousands
  • 3Total employees (full-time equivalent)
  • $7,505Total assets
  • $2,801Cash and due from depository institutions
  • $2,306Interest-bearing balances
  • $0Securities
  • $600Federal funds sold & reverse repurchase agreements
  • $3,918Net loans & leases
  • $49Loan loss allowance
  • $0Trading account assets
  • $80Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $106All other assets
  • $7,505Total liabilities and capital
  • $5,996Total liabilities
  • $5,995Total deposits
  • $5,441Interest-bearing deposits
  • $5,995Deposits held in domestic offices
  • 95.83%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1All other liabilities
  • $1,509Total equity capital
  • $1,509Total bank equity capital
  • $1,509Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $200Undivided profits
  • Memoranda
  • $559Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $16Average Assets, year-to-date
  • $6,824Average Assets, quarterly
  • $2,533Volatile liabilities
  • $7,516Insider loans
  • $7,539FHLB advances
  • $984Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $41Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $288Total interest income
  • $81Total interest expense
  • $207Net interest income
  • -$14Provision for loan and lease losses
  • $34Total noninterest income
  • $0Fiduciary activities
  • $13Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21Additional noninterest income
  • $183Total noninterest expense
  • $56Salaries and employee benefits
  • $32Premises and equipment expense
  • $95Additional noninterest expense
  • $72Pre-tax net operating income
  • $0Securities gains (losses)
  • -$4Applicable income taxes
  • $76Income before extraordinary items
  • $0Extraordinary gains - net
  • $76Net income attributable to bank
  • $0Net charge-offs
  • $76Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.15%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 2.99%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 5.20%Return on equity (ROE)
  • 5.20%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 75,934Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 65.35%Net loans and leases to core deposits
  • 78.19%Equity capital to assets
  • 20.11%Core capital (leverage) ratio
  • 20.26%Tier 1 risk-based capital ratio
  • 46.27%Total risk-based capital ratio
  • Memoranda
  • $48Average assets
  • $7,516Average earning assets
  • $1,462Average equity
  • $6,932Average loans

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