Home > Chester National Bank of Missouri > Performance and Condition Ratios
Chester National Bank of Missouri, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 6,981 |
| Cost of funding earning assets | 1.1685% | 4,745 |
| Net interest margin | 2.9861% | 6,753 |
| Noninterest income to average assets | 0.4523% | 4,499 |
| Noninterest expense to average assets | 2.4347% | 5,999 |
| Loan and lease loss provision to assets | -0.1863% | 7,622 |
| Net operating income to assets | 1.0111% | 1,995 |
| Return on assets (ROA) | 1.0111% | 2,104 |
| Pretax return on assets | 0.9579% | 3,076 |
| Return on Equity (ROE) | 5.1998% | 3,987 |
| Retained earnings to average equity (ytd only) | 5.1998% | 2,308 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9336% | 3,067 |
| Assets per employee ($millions) | 2.5017% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 5,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 52.2052% | 5,884 |
| Net loans and leases to deposits | 65.3545% | 5,473 |
| Net loans and leases to core deposits | 71.3012% | 5,295 |
| Total domestic deposits to total assets | 79.8801% | 5,866 |
| Equity capital to assets | 20.1066% | 257 |
| Core capital (leverage) ratio | 20.2550% | 224 |
| Tier 1 risk-based capital ratio | 46.2741% | 163 |
| Total risk-based capital ratio | 47.5314% | 164 |
| Memoranda: | ||
| Average total assets | $7,516,400 | 7,644 |
| Average earning assets | $6,932,200 | 7,633 |
| Average equity | $1,461,600 | 7,593 |
| Average total loans | $4,123,400 | 7,574 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 7,142 |
| Cost of funding earning assets | 1.1687% | 5,037 |
| Net interest margin | 2.9887% | 6,858 |
| Noninterest income to average assets | 0.4433% | 4,612 |
| Noninterest expense to average assets | 2.4824% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6560% | 3,620 |
| Return on assets (ROA) | 0.6560% | 3,788 |
| Pretax return on assets | 0.7269% | 4,155 |
| Return on Equity (ROE) | 3.4027% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.4027% | 4,053 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3481% | 2,712 |
| Assets per employee ($millions) | 2.5243% | 7,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 53.2550% | 5,951 |
| Net loans and leases to deposits | 66.2342% | 5,639 |
| Net loans and leases to core deposits | 72.1596% | 5,491 |
| Total domestic deposits to total assets | 80.4041% | 5,580 |
| Equity capital to assets | 19.4111% | 323 |
| Core capital (leverage) ratio | 19.4625% | 270 |
| Tier 1 risk-based capital ratio | 44.4646% | 186 |
| Total risk-based capital ratio | 45.7350% | 188 |
| Memoranda: | ||
| Average total assets | $7,519,250 | 7,746 |
| Average earning assets | $6,959,250 | 7,735 |
| Average equity | $1,449,750 | 7,694 |
| Average total loans | $4,162,500 | 7,673 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 7,183 |
| Cost of funding earning assets | 1.2136% | 5,053 |
| Net interest margin | 2.9763% | 6,882 |
| Noninterest income to average assets | 0.3999% | 4,916 |
| Noninterest expense to average assets | 2.4796% | 5,797 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5866% | 3,929 |
| Return on assets (ROA) | 0.5866% | 4,072 |
| Pretax return on assets | 0.6665% | 4,347 |
| Return on Equity (ROE) | 3.0492% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.0492% | 4,168 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8136% | 2,604 |
| Assets per employee ($millions) | 2.4960% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 4,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 56.2099% | 5,671 |
| Net loans and leases to deposits | 69.9169% | 5,292 |
| Net loans and leases to core deposits | 76.2500% | 5,165 |
| Total domestic deposits to total assets | 80.3953% | 5,593 |
| Equity capital to assets | 19.4311% | 317 |
| Core capital (leverage) ratio | 19.2537% | 278 |
| Tier 1 risk-based capital ratio | 42.7187% | 208 |
| Total risk-based capital ratio | 43.9812% | 203 |
| Memoranda: | ||
| Average total assets | $7,501,330 | 7,814 |
| Average earning assets | $6,921,330 | 7,802 |
| Average equity | $1,443,000 | 7,761 |
| Average total loans | $4,184,670 | 7,739 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 7,354 |
| Cost of funding earning assets | 1.2782% | 4,943 |
| Net interest margin | 2.8470% | 7,109 |
| Noninterest income to average assets | 0.4262% | 4,696 |
| Noninterest expense to average assets | 2.5573% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4262% | 4,731 |
| Return on assets (ROA) | 0.4262% | 4,865 |
| Pretax return on assets | 0.4795% | 5,029 |
| Return on Equity (ROE) | 2.2269% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.2269% | 4,794 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 2,003 |
| Assets per employee ($millions) | 2.5137% | 7,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 4,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 55.5762% | 5,807 |
| Net loans and leases to deposits | 68.8064% | 5,495 |
| Net loans and leases to core deposits | 74.9598% | 5,392 |
| Total domestic deposits to total assets | 80.7718% | 5,528 |
| Equity capital to assets | 19.1089% | 336 |
| Core capital (leverage) ratio | 19.3345% | 288 |
| Tier 1 risk-based capital ratio | 42.3824% | 222 |
| Total risk-based capital ratio | 43.6471% | 217 |
| Memoranda: | ||
| Average total assets | $7,508,000 | 7,917 |
| Average earning assets | $6,884,500 | 7,904 |
| Average equity | $1,437,000 | 7,847 |
| Average total loans | $4,141,000 | 7,842 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 7,269 |
| Cost of funding earning assets | 1.3838% | 5,999 |
| Net interest margin | 3.2288% | 5,999 |
| Noninterest income to average assets | 0.4216% | 5,043 |
| Noninterest expense to average assets | 2.8160% | 4,900 |
| Loan and lease loss provision to assets | -0.1054% | 7,986 |
| Net operating income to assets | 0.5873% | 3,377 |
| Return on assets (ROA) | 0.5873% | 3,456 |
| Pretax return on assets | 0.6626% | 3,697 |
| Return on Equity (ROE) | 2.7711% | 4,602 |
| Retained earnings to average equity (ytd only) | 2.7711% | 3,221 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4821% | 2,419 |
| Assets per employee ($millions) | 2.4917% | 7,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 3,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.0435% | 6,305 |
| Net loans and leases to deposits | 65.7437% | 6,077 |
| Net loans and leases to core deposits | 82.4667% | 5,878 |
| Total domestic deposits to total assets | 80.6823% | 5,444 |
| Equity capital to assets | 19.1706% | 351 |
| Core capital (leverage) ratio | 19.2867% | 323 |
| Tier 1 risk-based capital ratio | 44.9357% | 192 |
| Total risk-based capital ratio | 46.1900% | 192 |
| Memoranda: | ||
| Average total assets | $6,640,600 | 8,002 |
| Average earning assets | $6,070,400 | 7,990 |
| Average equity | $1,407,400 | 7,940 |
| Average total loans | $4,187,000 | 7,912 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 7,229 |
| Cost of funding earning assets | 1.3659% | 6,346 |
| Net interest margin | 3.3693% | 5,383 |
| Noninterest income to average assets | 0.4146% | 5,176 |
| Noninterest expense to average assets | 3.1508% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2903% | 4,821 |
| Return on assets (ROA) | 0.2903% | 4,932 |
| Pretax return on assets | 0.3318% | 4,975 |
| Return on Equity (ROE) | 1.3326% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.3326% | 4,575 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4762% | 1,647 |
| Assets per employee ($millions) | 2.4183% | 7,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 2,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.7533% | 5,921 |
| Net loans and leases to deposits | 71.7589% | 5,687 |
| Net loans and leases to core deposits | 90.7319% | 5,369 |
| Total domestic deposits to total assets | 80.4824% | 5,257 |
| Equity capital to assets | 19.4073% | 380 |
| Core capital (leverage) ratio | 20.2096% | 302 |
| Tier 1 risk-based capital ratio | 43.4032% | 232 |
| Total risk-based capital ratio | 44.6671% | 224 |
| Memoranda: | ||
| Average total assets | $6,432,000 | 8,088 |
| Average earning assets | $5,856,750 | 8,078 |
| Average equity | $1,401,000 | 8,026 |
| Average total loans | $4,226,750 | 7,990 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 7,074 |
| Cost of funding earning assets | 1.3541% | 6,635 |
| Net interest margin | 3.5277% | 4,666 |
| Noninterest income to average assets | 0.3898% | 5,380 |
| Noninterest expense to average assets | 3.2805% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2598% | 5,053 |
| Return on assets (ROA) | 0.2598% | 5,147 |
| Pretax return on assets | 0.3248% | 5,149 |
| Return on Equity (ROE) | 1.1439% | 5,594 |
| Retained earnings to average equity (ytd only) | 1.1439% | 4,695 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9910% | 1,730 |
| Assets per employee ($millions) | 2.2117% | 7,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 2,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 65.4408% | 4,676 |
| Net loans and leases to deposits | 83.1323% | 4,022 |
| Net loans and leases to core deposits | 99.2004% | 4,583 |
| Total domestic deposits to total assets | 78.7189% | 5,892 |
| Equity capital to assets | 21.1304% | 321 |
| Core capital (leverage) ratio | 22.2328% | 272 |
| Tier 1 risk-based capital ratio | 44.2271% | 230 |
| Total risk-based capital ratio | 45.4890% | 231 |
| Memoranda: | ||
| Average total assets | $6,157,670 | 8,186 |
| Average earning assets | $5,612,670 | 8,171 |
| Average equity | $1,398,670 | 8,110 |
| Average total loans | $4,215,670 | 8,078 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 7,007 |
| Cost of funding earning assets | 1.3358% | 6,915 |
| Net interest margin | 3.6364% | 4,156 |
| Noninterest income to average assets | 0.4731% | 4,567 |
| Noninterest expense to average assets | 3.4465% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3379% | 5,128 |
| Return on assets (ROA) | 0.3379% | 5,310 |
| Pretax return on assets | 0.3379% | 5,561 |
| Return on Equity (ROE) | 1.4316% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.4316% | 5,054 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0714% | 1,647 |
| Assets per employee ($millions) | 2.0360% | 7,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 2,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.0936% | 4,562 |
| Net loans and leases to deposits | 86.0034% | 3,631 |
| Net loans and leases to core deposits | 104.8844% | 4,042 |
| Total domestic deposits to total assets | 76.8500% | 6,317 |
| Equity capital to assets | 22.9044% | 281 |
| Core capital (leverage) ratio | 23.9883% | 256 |
| Tier 1 risk-based capital ratio | 50.0179% | 207 |
| Total risk-based capital ratio | 51.2692% | 199 |
| Memoranda: | ||
| Average total assets | $5,919,000 | 8,237 |
| Average earning assets | $5,390,000 | 8,223 |
| Average equity | $1,397,000 | 8,168 |
| Average total loans | $4,117,500 | 8,131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 7,465 |
| Cost of funding earning assets | 1.9557% | 6,551 |
| Net interest margin | 3.4400% | 5,504 |
| Noninterest income to average assets | 0.4800% | 4,800 |
| Noninterest expense to average assets | 3.1678% | 3,455 |
| Loan and lease loss provision to assets | -0.1280% | 8,263 |
| Net operating income to assets | 0.3360% | 5,417 |
| Return on assets (ROA) | 0.3360% | 5,237 |
| Pretax return on assets | 0.5920% | 4,716 |
| Return on Equity (ROE) | 1.4694% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.4694% | 4,341 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2247% | 1,745 |
| Assets per employee ($millions) | 1.9100% | 7,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 1,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.8202% | 3,829 |
| Net loans and leases to deposits | 93.9569% | 2,769 |
| Net loans and leases to core deposits | 116.7770% | 3,030 |
| Total domestic deposits to total assets | 75.3752% | 6,375 |
| Equity capital to assets | 24.3455% | 281 |
| Core capital (leverage) ratio | 23.1458% | 302 |
| Tier 1 risk-based capital ratio | 50.6352% | 213 |
| Total risk-based capital ratio | 51.9056% | 211 |
| Memoranda: | ||
| Average total assets | $6,250,400 | 8,291 |
| Average earning assets | $5,726,800 | 8,280 |
| Average equity | $1,429,200 | 8,229 |
| Average total loans | $4,429,200 | 8,179 |