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Chester County Bank

Henderson, TN · Cert 19813

FDIC · 4 branches

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chester County Bank

Henderson, TN · Cert 19813

FDIC · 4 branches

Q2 2019

$71.0MAssets
$25.5MLoans
$62.4MDeposits
$8.5MEquity
Loan mix
69%RE $14.1M14%C&I $2.9M17%Consumer $3.4MQ2 2018Q2 2019
Deposit mix
64%Interest-bearing $39.8M36%Noninterest $22.6MQ2 2018Q2 2019

NIM

3.80%Q2 ’173.97%Q2 ’183.92%Q2 ’19+6%-9%

Non-interest income vs. expense

2.98%Q2 ’172.81%Q2 ’182.74%Q2 ’19-6%-2%

Market Position · Jackson, TN · 2019 SOD (annual) · 2.0% share · #11 of 21 inst. · $0.1B of $3.2B

Executive Summary

  • Earnings: ROA of 0.78%, down 25 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 2.00% of loans (+6 bps YoY), with net recoveries of 1.17%.
  • Capital: tier 1 leverage ratio of 11.65%, up 41 bps from a year ago.
  • Funding: loans stand at 40.94% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

0.78%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-32 bps YoY

Efficiency Ratio (YTD, annualized)

72.82%+433 bps YoY

Tier 1 Leverage Ratio

11.65%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.03%0.56%0.77%0.86%0.78%-25 bps
Return on Equity9.90%5.35%7.37%7.94%7.03%-288 bps
Net Interest Margin3.60%3.65%3.57%3.32%3.28%-32 bps
Efficiency Ratio68.49%69.63%67.86%69.81%72.82%+433 bps
Non-Interest Burden2.31%2.38%2.21%2.17%2.25%-6 bps
Growth
Asset Growth (YoY)0.55%0.26%1.98%1.89%0.15%-40 bps
Loan Growth (YoY)-3.90%-0.53%-4.06%0.21%1.81%+572 bps
Deposit Growth (YoY)1.20%0.28%1.78%0.96%-1.45%-264 bps
Asset Quality
Nonperforming Loans / Loans1.94%1.87%2.03%2.14%2.00%+6 bps
Net Charge-Offs / Loans-0.02%1.53%1.21%-0.02%-1.17%-116 bps
Allowance / Loans0.92%0.93%0.99%1.03%1.59%+67 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.8x+0.3x
Capital
Tier 1 Leverage Ratio11.25%10.92%11.06%11.49%11.65%+41 bps
Total Risk-Based Capital27.65%23.52%23.68%23.59%25.69%-196 bps
Equity / Assets10.41%10.23%10.55%11.04%11.91%+150 bps
Liquidity & Funding
Loans / Deposits39.63%41.65%38.64%37.60%40.94%+131 bps
Liquid Assets / Assets20.86%19.47%18.54%17.98%15.73%-513 bps
CRE / Total Capitaln/an/an/an/an/an/an/a