St. Joseph Capital Bank in Mishawaka, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 02, 2007

  • St. Joseph Capital Bank in Mishawaka, Indiana (IN)
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St. Joseph Capital Bank - Overview

  • General
  • FDIC Certificate #: 34324
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#3832)
    Federal Reserve ID: 2474940
    Date Established: Febuary 13, 1997
    WWW: http://www.sjcb.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 57083
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 13, 1997
    Last Structure Change Effective Date: Febuary 02, 2007
    Last Structure Change Process Date: March 28, 2007
    Last Data Update: March 28, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 3820 Edison Lakes Parkway, Mishawaka, IN 46545
    County: St Joseph
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): South Bend, IN (#7800)
    Combined Statistical Area (CSA): South Bend-Elkhart-Mishawaka, IN-MI (#515)
    Core Based Statistical Area (CBSA): South Bend-Mishawaka, IN-MI (#43780)
    CBSA Metro Statistical Area: South Bend-Mishawaka, IN-MI (#43780)
  • Financial Summary
  • Total assets: $492.9 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, 2006)

  • Dollar figures in thousands
  • 74Total employees (full-time equivalent)
  • $492,948Total assets
  • $33,728Cash and due from depository institutions
  • $676Interest-bearing balances
  • $79,177Securities
  • $26,700Federal funds sold & reverse repurchase agreements
  • $334,742Net loans & leases
  • $3,178Loan loss allowance
  • $0Trading account assets
  • $1,563Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $8,781Life insurance assets
  • $17,038All other assets
  • $492,948Total liabilities and capital
  • $455,253Total liabilities
  • $393,365Total deposits
  • $366,510Interest-bearing deposits
  • $393,365Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $12,004Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $48,000Other borrowed funds
  • $0Subordinated debt
  • $1,884All other liabilities
  • $37,695Total equity capital
  • $37,695Total bank equity capital
  • $37,695Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $23,384Undivided profits
  • Memoranda
  • $14,310Noncurrent loans and leases
  • $108,746Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $936Earning assets
  • $0Long-term assets (5+ years)
  • $2,563Average Assets, year-to-date
  • $441,295Average Assets, quarterly
  • $83,121Volatile liabilities
  • $478,814Insider loans
  • $483,934FHLB advances
  • $121,394Loans and leases held for sale
  • $15,219Unused loan commitments
  • $48,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $108,746Total unused commitments
  • $4,697Restructured Loans and leases
  • $3,178Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $26,474Total interest income
  • $17,078Total interest expense
  • $9,396Net interest income
  • -$317Provision for loan and lease losses
  • $995Total noninterest income
  • $0Fiduciary activities
  • $369Service charges on deposit accounts
  • $0Trading account gains & fees
  • $626Additional noninterest income
  • $6,989Total noninterest expense
  • $4,961Salaries and employee benefits
  • $551Premises and equipment expense
  • $1,477Additional noninterest expense
  • $3,719Pre-tax net operating income
  • $9Securities gains (losses)
  • $967Applicable income taxes
  • $2,761Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,761Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.09%Yield on earning assets
  • 3.93%Cost of funding earning assets
  • 2.16%Net interest margin
  • 0.23%Noninterest income to earning assets
  • 1.61%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 7.66%Return on equity (ROE)
  • 7.66%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • -381.93%Credit loss provision to net charge-offs
  • 40.99%Efficiency ratio
  • 67,260Assets per employee
  • 6.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 339.53%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 85.10%Net loans and leases to core deposits
  • 106.78%Equity capital to assets
  • 7.65%Core capital (leverage) ratio
  • 8.28%Tier 1 risk-based capital ratio
  • 11.11%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $478,814Average earning assets
  • $36,042Average equity
  • $435,007Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $10,274Managed Assets
  • 1Number of Accounts
  • $10,274Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $10,274Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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