The Heritage Bank of St. Joseph in St. Joseph, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 22, 2003

  • The Heritage Bank of St. Joseph in St. Joseph, Missouri (MO)
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The Heritage Bank of St. Joseph - Overview

  • General
  • FDIC Certificate #: 26237
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Nodaway Valley Bank (#8904)
    Federal Reserve ID: 293558
    Date Established: May 03, 1985
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    OTS Docket #: 11865
    FDIC's unique #: 32574
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 03, 1985
    Last Structure Change Effective Date: January 22, 2003
    Last Structure Change Process Date: Febuary 03, 2003
    Last Data Update: Febuary 03, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 1701 South Belt Highway, St. Joseph, MO 64507
    County: Buchanan
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Joseph, MO (#7000)
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • Financial Summary
  • Total assets: $165.5 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, 2002)

  • Dollar figures in thousands
  • 59Total employees (full-time equivalent)
  • $165,531Total assets
  • $5,163Cash and due from depository institutions
  • $214Interest-bearing balances
  • $67,259Securities
  • $7,575Federal funds sold & reverse repurchase agreements
  • $79,283Net loans & leases
  • $1,091Loan loss allowance
  • $0Trading account assets
  • $4,190Bank premises and fixed assets
  • $10Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,051All other assets
  • $165,531Total liabilities and capital
  • $151,763Total liabilities
  • $141,726Total deposits
  • $120,782Interest-bearing deposits
  • $141,726Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,193Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,000Other borrowed funds
  • $0Subordinated debt
  • $844All other liabilities
  • $13,768Total equity capital
  • $13,768Total bank equity capital
  • $13,768Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $1,615Undivided profits
  • Memoranda
  • $10,653Noncurrent loans and leases
  • $18,240Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $433Earning assets
  • $0Long-term assets (5+ years)
  • $1,305Average Assets, year-to-date
  • $154,331Average Assets, quarterly
  • $25,470Volatile liabilities
  • $156,888Insider loans
  • $164,001FHLB advances
  • $15,906Loans and leases held for sale
  • $3,276Unused loan commitments
  • $5,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,390Total risk weighted assets
  • $18,240Total unused commitments
  • $0Restructured Loans and leases
  • $1,052Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $8,746Total interest income
  • $3,101Total interest expense
  • $5,645Net interest income
  • $4Provision for loan and lease losses
  • $1,699Total noninterest income
  • $95Fiduciary activities
  • $904Service charges on deposit accounts
  • $0Trading account gains & fees
  • $700Additional noninterest income
  • $4,169Total noninterest expense
  • $2,067Salaries and employee benefits
  • $506Premises and equipment expense
  • $1,596Additional noninterest expense
  • $3,171Pre-tax net operating income
  • $595Securities gains (losses)
  • $59Applicable income taxes
  • $3,707Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,707Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $59Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.97%Yield on earning assets
  • 2.12%Cost of funding earning assets
  • 3.86%Net interest margin
  • 1.16%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 1.99%Net operating income to assets
  • 2.36%Return on assets (ROA)
  • 2.40%Pretax return on assets
  • 29.90%Return on equity (ROE)
  • 13.77%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 6.78%Credit loss provision to net charge-offs
  • 53.81%Efficiency ratio
  • 56,767Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.95%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 251.96%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 55.94%Net loans and leases to core deposits
  • 60.98%Equity capital to assets
  • 8.32%Core capital (leverage) ratio
  • 7.61%Tier 1 risk-based capital ratio
  • 14.84%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $156,888Average earning assets
  • $12,398Average equity
  • $146,418Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $31,012Managed Assets
  • 1Number of Accounts
  • $28,735Personal trust and agency accounts
  • $21,054Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,136Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,545Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 84Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,277Other retirement accounts
  • $2,001Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $276Fiduciary accounts held in foreign offices

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