The Heritage Bank Of St. Joseph
St. Joseph, MO — Domestic Branch of a Domestic Bank
Acquired Jan 2003
Vitals
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Total Assets165.5M
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Total Deposits141.7M
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Total Net Loans79.3M
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Net Income3.7M
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Book Value13.8M
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Book Value x227.5M
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Book Value x341.3M
Balance Sheet Highlights
| Financial Highlights | The Heritage Bank Of St. Joseph | All Insured Commercial Banks in Missouri |
| Balance Sheet $(000) | ||
| Total Assets | 165,531 | 112,574 |
| Total Net Loans | 79,283 | 75,341 |
| Total Deposits | 141,726 | 93,820 |
| Total Equity | 13,768 | 11,016 |
| Profitability | ||
| Net Income | 3,707 | 1,445 |
| Return on Average Assets | 2.352 | 1.151 |
| Return on Average Equity | 29.901 | 11.871 |
| Net Interest Margin | 4.163 | 4.136 |
| Efficiency Ratio | 52.894 | 61.706 |
| Noninterest Income/Revenue | 15.469 | 10.547 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 55.941 | 77.385 |
| Securities/Assets | .406 | .498 |
| Total Equity/Total Assets | .083 | .098 |
| Tangible Equity/Tangible Assets | .083 | -.042 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 12,481 | 10,125 |
| Tier 2 Capital | 1,052 | 901 |
| Total Capital | 13,533 | 11,058 |
| Total Risk Weighted Assets | 84,093 | 77,372 |
| Leverage Ratio | 7.61 | 9.407 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 14.84 | 14.246 |
| Total Capital Ratio | 16.09 | 15.391 |
Timeline for The Heritage Bank Of St. Joseph
The Nodaway Valley Bank
The Heritage Bank Of St. Joseph was acquired by The Nodaway Valley Bank 21 years
View Profile Jan 22 2003
Buchanan County Bancshares, Inc.
Buchanan County Bancshares, Inc. became a new parent organization for The Heritage Bank Of St. Joseph.
View Profile May 06 1985
Farmers State Bank, St. Joseph, Missouri
Acquisition: The Heritage Bank Of St. Joseph acquired a new subsidiary, Farmers State Bank, St. Joseph, Missouri, 39 years
View Profile May 04 1985
The Heritage Bank Of St. Joseph
The Heritage Bank Of St. Joseph was established 39 years ago and is currently headquartered in St. Joseph, MO.
May 03 1985| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| The Nodaway Valley Bank | Buyer | 840,150 | Pooling of Interests | Discontinued | 1/22/2003 |
| Farmers State Bank, St. Joseph, Missouri | Seller | 50,867 | Failure | 5/4/1985 |
| Relationships | Role | Relationship Start | Relationship End |
| Buchanan County Bancshares, Inc. | Parent | 12/31/1996 | 1/21/2003 |
| Buchanan County Bancshares, Inc. | Parent | 12/31/1995 | 12/30/1996 |
| Buchanan County Bancshares, Inc. | Parent | 1/1/1989 | 12/30/1995 |
| Buchanan County Bancshares, Inc. | Parent | 5/6/1985 | 12/31/1988 |
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