Commerce Bank, National Association in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 29, 1995

  • Commerce Bank, National Association in Clayton, Missouri (MO)
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Commerce Bank, National Association - Overview

  • General
  • FDIC Certificate #: 13730
    Status: Inactive
    Closing history: Consolidated - Without Assistance
    Acquiring institution: Commerce Bank, National Association (#1657)
    Federal Reserve ID: 647254
    Date Established: June 09, 1920
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 39 (Interstate: No)
    FDIC's unique #: 8582
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 24, 1934
    Last Structure Change Effective Date: December 29, 1995
    Last Structure Change Process Date: January 23, 1996
    Last Data Update: December 20, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 8000 Forsyth Boulevard, Clayton, MO 63105
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $2,693.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $1,134Total assets
  • $2,696,942Cash and due from depository institutions
  • $140,063Interest-bearing balances
  • $361Securities
  • $882,538Federal funds sold & reverse repurchase agreements
  • $1,610Net loans & leases
  • $1,559,056Loan loss allowance
  • $34,248Trading account assets
  • $70Bank premises and fixed assets
  • $44,899Other real estate owned
  • $106Goodwill and other intangibles
  • $68,066Life insurance assets
  • $534All other assets
  • $0Total liabilities and capital
  • $2,696,942Total liabilities
  • $2,532,512Total deposits
  • $2,354,278Interest-bearing deposits
  • $1,943,563Deposits held in domestic offices
  • 2354278.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $155,401Trading liabilities
  • $0Other borrowed funds
  • $6,221Subordinated debt
  • $0All other liabilities
  • $16,612Total equity capital
  • $16,612Total bank equity capital
  • $164,430Perpetual preferred stock
  • $0Common stock
  • $35,000Surplus
  • $77,300Undivided profits
  • Memoranda
  • $52,130Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,444Income earned, not collected on loans
  • $14,387Earning assets
  • $2,443,635Long-term assets (5+ years)
  • $335,407Average Assets, year-to-date
  • $2,686,373Average Assets, quarterly
  • $2,723,991Volatile liabilities
  • $192,971Insider loans
  • $186,708FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,050,159Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $189,712Total risk weighted assets
  • $1,786,477Total unused commitments
  • $0Restructured Loans and leases
  • $25,000Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $175,036Total interest expense
  • $64,451Net interest income
  • $110,585Provision for loan and lease losses
  • -$711Total noninterest income
  • $37,201Fiduciary activities
  • $10,235Service charges on deposit accounts
  • $10,660Trading account gains & fees
  • $1,615Additional noninterest income
  • $14,691Total noninterest expense
  • $86,781Salaries and employee benefits
  • $36,640Premises and equipment expense
  • $10,080Additional noninterest expense
  • $40,061Pre-tax net operating income
  • $61,716Securities gains (losses)
  • $665Applicable income taxes
  • $22,000Income before extraordinary items
  • $40,381Extraordinary gains - net
  • $0Net income attributable to bank
  • $40,381Net charge-offs
  • $156Cash dividends
  • $46,279Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.14%Cost of funding earning assets
  • 2.63%Net interest margin
  • 4.51%Noninterest income to earning assets
  • 1.52%Noninterest expense to earning assets
  • 3.54%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 2.32%Return on equity (ROE)
  • 22.03%Retained earnings to average equity (YTD only)
  • -3.22%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • -455.77%Efficiency ratio
  • 58,671Assets per employee
  • 2.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 114.61%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 275.22%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 66.22%Net loans and leases to core deposits
  • 67.30%Equity capital to assets
  • 6.10%Core capital (leverage) ratio
  • 7.15%Tier 1 risk-based capital ratio
  • 10.62%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $2,686,373Average earning assets
  • $183,313Average equity
  • $2,452,963Average loans

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