Heritage National Bank in Shrewsbury, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 1994

  • Heritage National Bank in Shrewsbury, Missouri (MO)
  • Show street view No street view available for this location

Heritage National Bank - Overview

  • General
  • FDIC Certificate #: 26902
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Bank (#12229)
    Federal Reserve ID: 283559
    Date Established: Febuary 09, 1987
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 36227
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 09, 1987
    Last Structure Change Effective Date: March 31, 1994
    Last Structure Change Process Date: April 05, 1994
    Last Data Update: May 06, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 7435 Watson Road, 127 Kendrick Plaza, Shrewsbury, MO 63119
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $60.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $24Total assets
  • $60,819Cash and due from depository institutions
  • $2,393Interest-bearing balances
  • $0Securities
  • $22,207Federal funds sold & reverse repurchase agreements
  • $2,300Net loans & leases
  • $32,729Loan loss allowance
  • $258Trading account assets
  • $0Bank premises and fixed assets
  • $316Other real estate owned
  • $265Goodwill and other intangibles
  • $609Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $60,819Total liabilities
  • $57,130Total deposits
  • $56,938Interest-bearing deposits
  • $47,954Deposits held in domestic offices
  • 56938.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $192Total equity capital
  • $192Total bank equity capital
  • $3,689Perpetual preferred stock
  • $0Common stock
  • $678Surplus
  • $3,425Undivided profits
  • Memoranda
  • $-414Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $465Income earned, not collected on loans
  • $190Earning assets
  • $57,236Long-term assets (5+ years)
  • $154Average Assets, year-to-date
  • $55,679Average Assets, quarterly
  • $60,179Volatile liabilities
  • $2,014Insider loans
  • $1,554FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,791Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,689Total risk weighted assets
  • $31,702Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,614Total interest expense
  • $1,636Net interest income
  • $1,978Provision for loan and lease losses
  • $84Total noninterest income
  • $356Fiduciary activities
  • $0Service charges on deposit accounts
  • $174Trading account gains & fees
  • $0Additional noninterest income
  • $182Total noninterest expense
  • $2,162Salaries and employee benefits
  • $795Premises and equipment expense
  • $483Additional noninterest expense
  • $884Pre-tax net operating income
  • $88Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • $88Extraordinary gains - net
  • $0Net income attributable to bank
  • $88Net charge-offs
  • $170Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.95%Cost of funding earning assets
  • 3.15%Net interest margin
  • 3.80%Noninterest income to earning assets
  • 0.68%Noninterest expense to earning assets
  • 4.16%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • 0.16%Pretax return on assets
  • 0.16%Return on equity (ROE)
  • 2.39%Retained earnings to average equity (YTD only)
  • 2.39%Net charge-offs to loans
  • 0.50%Credit loss provision to net charge-offs
  • 49.41%Efficiency ratio
  • 92,631Assets per employee
  • 2.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 55.48%Noncurrent assets plus other real estate owned to assets
  • 1.20%Noncurrent loans to loans
  • 1.41%Net loans and leases to deposits
  • 57.48%Net loans and leases to core deposits
  • 59.59%Equity capital to assets
  • 6.07%Core capital (leverage) ratio
  • 6.09%Tier 1 risk-based capital ratio
  • 11.64%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $55,679Average earning assets
  • $3,680Average equity
  • $51,997Average loans

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