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
Corrections
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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