St. Joseph Capital Bank
Mishawaka, IN — Domestic Branch of a Domestic Bank
Acquired Feb 2007
Vitals
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Total Assets492.9M 2.9 %
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Total Deposits393.4M 14.1 %
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Total Net Loans334.7M -0.1 %
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Net Income2.8M -26.7 %
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Book Value37.7M 8.4 %
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Book Value x275.4M 8.4 %
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Book Value x3113.1M 8.4 %
Balance Sheet Highlights
| Financial Highlights | St. Joseph Capital Bank | All Insured Commercial Banks in Indiana |
| Balance Sheet $(000) | ||
| Total Assets | 492,948 | 324,862 |
| Total Net Loans | 334,742 | 224,000 |
| Total Deposits | 393,365 | 258,913 |
| Total Equity | 37,695 | 31,365 |
| Profitability | ||
| Net Income | 2,761 | 4,975 |
| Return on Average Assets | .599 | .976 |
| Return on Average Equity | 7.661 | 9.477 |
| Net Interest Margin | 2.225 | 3.939 |
| Efficiency Ratio | 65.198 | 66.523 |
| Noninterest Income/Revenue | 3.579 | 13.695 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 85.097 | 84.169 |
| Securities/Assets | .161 | .354 |
| Total Equity/Total Assets | .076 | .097 |
| Tangible Equity/Tangible Assets | .076 | .045 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 38,474 | 28,340 |
| Tier 2 Capital | 3,178 | 2,440 |
| Total Capital | 41,652 | 30,789 |
| Total Risk Weighted Assets | 346,377 | 235,060 |
| Leverage Ratio | 8.28 | 10.136 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 11.11 | 14.508 |
| Total Capital Ratio | 12.03 | 15.612 |
Timeline for St. Joseph Capital Bank
Old National Bank
St. Joseph Capital Bank was acquired by Old National Bank 18 years
View Profile Feb 02 2007
St. Joseph Capital Bank
St. Joseph Capital Bank was established 28 years ago and is currently headquartered in Mishawaka, IN.
Feb 13 1997
St. Joseph Capital Corporation
St. Joseph Capital Corporation became a new parent organization for St. Joseph Capital Bank.
View Profile Feb 13 1997| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Old National Bank | Buyer | 4,175,351 | Acquisition | Discontinued | 2/2/2007 |
| Relationships | Role | Relationship Start | Relationship End |
| St. Joseph Capital Corporation | Parent | 2/13/1997 | 2/1/2007 |
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