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Heritage Bank of St. Joseph, The

Saint Joseph, MO · Cert 26237

FDIC

Q4 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Heritage Bank of St. Joseph, The

Saint Joseph, MO · Cert 26237

FDIC

Q4 2002

$165.5MAssets
$80.4MLoans
$141.7MDeposits
$13.8MEquity
Loan mix
71%RE $28.8M29%C&I $11.7M0%Consumer $0.1MQ4 2001Q4 2002
Deposit mix
85%Interest-bearing $120.8M15%Noninterest $20.9MQ4 2001Q4 2002

NIM

7.29%Q1 ’016.66%Q4 ’015.33%Q4 ’02-1%-8%

Non-interest income vs. expense

2.56%Q1 ’012.56%Q4 ’012.54%Q4 ’02-1%-4%

Executive Summary

  • Earnings: ROA of 2.36%, up 39 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 56.71% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

2.36%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-31 bps YoY

Efficiency Ratio (YTD, annualized)

56.77%+275 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.98%2.71%2.39%2.61%2.36%+39 bps
Return on Equityn/a36.22%31.06%33.53%29.90%n/a
Net Interest Margin3.75%3.70%3.69%3.53%3.44%-31 bps
Efficiency Ratio54.02%48.04%52.65%54.54%56.77%+275 bps
Non-Interest Burden1.57%0.81%1.29%1.41%1.51%-7 bps
Growth
Asset Growth (YoY)6.75%6.49%9.13%12.79%12.98%+624 bps
Loan Growth (YoY)17.28%-3.71%1.33%1.86%0.06%-1,723 bps
Deposit Growth (YoY)3.41%8.23%10.65%12.69%13.60%+1,019 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.28%0.02%0.05%0.05%0.07%-21 bps
Allowance / Loans1.43%1.60%1.38%1.36%1.36%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.03%14.62%13.81%14.10%16.09%+306 bps
Equity / Assets7.53%7.45%8.10%8.05%8.32%+79 bps
Liquidity & Funding
Loans / Deposits64.38%57.89%61.34%59.51%56.71%-767 bps
Liquid Assets / Assets0.02%0.05%0.14%0.16%0.13%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a