St. Joseph Capital Bank in Mishawaka, Indiana (IN)
Table of contents:
| St. Joseph Capital Bank | |
|---|---|
| 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 |
| Assets and Liabilities (December 31, 2006) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 74 |
| Total assets | $492,948 |
| Cash and due from depository institutions | $33,728 |
| Interest-bearing balances | $676 |
| Securities | $79,177 |
| Federal funds sold & reverse repurchase agreements | $26,700 |
| Net loans & leases | $334,742 |
| Loan loss allowance | $3,178 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,563 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $17,038 |
| Life insurance assets | $8,781 |
| Total liabilities and capital | $492,948 |
| Total liabilities | $455,253 |
| Total deposits | $393,365 |
| Interest-bearing deposits | $366,510 |
| Deposits held in domestic offices | $393,365 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $12,004 |
| Trading liabilities | $0 |
| Other borrowed funds | $48,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,884 |
| Total equity capital | $37,695 |
| Total bank equity capital | $37,695 |
| Perpetual preferred stock | $37,695 |
| Common stock | $0 |
| Surplus | $1 |
| Undivided profits | $23,384 |
| Memoranda | |
| Noncurrent loans and leases | $14,310 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $108,746 |
| Income earned, not collected on loans | $0 |
| Earning assets | $936 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $2,563 |
| Average Assets, quarterly | $441,295 |
| Volatile liabilities | $83,121 |
| Insider loans | $478,814 |
| FHLB advances | $483,934 |
| Loans and leases held for sale | $121,394 |
| Unused loan commitments | $15,219 |
| Tier 1 (core) risk-based capital | $48,000 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $0 |
| Total unused commitments | $108,746 |
| Restructured Loans and leases | $4,697 |
| Derivatives | $3,178 |
| Income and Expense (December 31, 2006) (Dollar figures in thousands) | |
| Total interest income | $26,474 |
| Total interest expense | $17,078 |
| Net interest income | $9,396 |
| Provision for loan and lease losses | -$317 |
| Total noninterest income | $995 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $369 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $626 |
| Total noninterest expense | $6,989 |
| Salaries and employee benefits | $4,961 |
| Premises and equipment expense | $551 |
| Additional noninterest expense | $1,477 |
| Pre-tax net operating income | $3,719 |
| Securities gains (losses) | $9 |
| Applicable income taxes | $967 |
| Income before extraordinary items | $2,761 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $2,761 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $83 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2006) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 6.09% |
| Cost of funding earning assets | 3.93% |
| Net interest margin | 2.16% |
| Noninterest income to earning assets | 0.23% |
| Noninterest expense to earning assets | 1.61% |
| Net operating income to assets | 0.58% |
| Return on assets (ROA) | 0.58% |
| Pretax return on assets | 0.78% |
| Return on equity (ROE) | 7.66% |
| Retained earnings to average equity (YTD only) | 7.66% |
| Net charge-offs to loans | 0.02% |
| Credit loss provision to net charge-offs | -381.93% |
| Efficiency ratio | 40.99% |
| Assets per employee | $67,260 |
| Cash dividends to net income (YTD only) | 6.66% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 0.94% |
| Noncurrent assets plus other real estate owned to assets | 339.53% |
| Noncurrent loans to loans | 0.19% |
| Net loans and leases to deposits | 0.28% |
| Net loans and leases to core deposits | 85.10% |
| Equity capital to assets | 106.78% |
| Core capital (leverage) ratio | 7.65% |
| Tier 1 risk-based capital ratio | 8.28% |
| Total risk-based capital ratio | 11.11% |
| Memoranda | |
| Average assets | $12 |
| Average earning assets | $478,814 |
| Average equity | $36,042 |
| Average loans | $435,007 |
| Total Fiduciary and Related Assets (December 31, 2006) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $10,274 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $10,274 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $10,274 |
| Number of Accounts | 3 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
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