This institution is no longer active

Operations ceased on January 22, 2003. CRA examination history below reflects the period it was active.

THE HERITAGE BANK OF ST. JOSEPH

ST. JOSEPH, MO · Supervised by FDIC

Est. 1985FDIC #26,237RSSD: FDIC-26237

Satisfactory

Current rating · Exam: September 1993

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Institution Profile

FDIC BankFind

Address

1701 South Belt Highway, ST. JOSEPH, MO

County

Buchanan County

Established

May 3, 1985

Total Assets

$166M(latest call report)

Financial Snapshot

As of Q4 2002Call Report / FDIC

Total Assets

$166M

Total Deposits

$142M

Net Loans

$79M

Net Income

$4M

ROA

2.36%

ROE

29.90%

Risk-Based Capital

16.09%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

September 1, 1993

Exam Type

Not Reported

Regulator

FDIC

Rating History

CRA / FFIEC

1 previous rating locked — dating back to 1990

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

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