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- Banks in Missouri (MO)
- Commerce Bank, National Association
Commerce Bank, National Association in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of December 31, 1997
- Commerce Bank, National Association in Clayton, Missouri (MO)
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Commerce Bank, National Association - Overview
- General
- FDIC Certificate #: 1425
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commerce Bank (#24998)
Federal Reserve ID: 647254
Date Established: April 18, 1890
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 51 (Interstate: No)
FDIC's unique #: 945
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 01, 1934
Last Structure Change Effective Date: December 31, 1997
Last Structure Change Process Date: January 15, 1998
Last Data Update: January 15, 1998
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: $3,304.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1996)
- Dollar figures in thousands
- 0Total employees (full-time equivalent)
- $1,170Total assets
- $3,227,665Cash and due from depository institutions
- $259,430Interest-bearing balances
- $97Securities
- $842,531Federal funds sold & reverse repurchase agreements
- $69,025Net loans & leases
- $1,952,047Loan loss allowance
- $36,564Trading account assets
- $222Bank premises and fixed assets
- $45,782Other real estate owned
- $46Goodwill and other intangibles
- $45,807Life insurance assets
- $12,775All other assets
- $0Total liabilities and capital
- $3,227,665Total liabilities
- $2,990,454Total deposits
- $2,821,942Interest-bearing deposits
- $2,275,097Deposits held in domestic offices
- 2821942.00%% insured (estimated)
- $84Federal funds purchased & repurchase agreements
- $135,845Trading liabilities
- $0Other borrowed funds
- $9,738Subordinated debt
- $0All other liabilities
- $22,929Total equity capital
- $22,929Total bank equity capital
- $237,211Perpetual preferred stock
- $0Common stock
- $50,250Surplus
- $166,323Undivided profits
- Memoranda
- $20,638Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $13,096Income earned, not collected on loans
- $19,788Earning assets
- $2,863,922Long-term assets (5+ years)
- $305,452Average Assets, year-to-date
- $3,165,340Average Assets, quarterly
- $3,177,275Volatile liabilities
- $181,254Insider loans
- $193,270FHLB advances
- $0Loans and leases held for sale
- $0Unused loan commitments
- $1,238,320Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $222,785Total risk weighted assets
- $2,323,904Total unused commitments
- $0Restructured Loans and leases
- $5,850Derivatives
Income and Expense (December 31, 1996)
- Dollar figures in thousands
- $0Total interest income
- $218,404Total interest expense
- $95,022Net interest income
- $123,382Provision for loan and lease losses
- $5,943Total noninterest income
- $47,837Fiduciary activities
- $12,052Service charges on deposit accounts
- $14,906Trading account gains & fees
- $2,376Additional noninterest income
- $18,503Total noninterest expense
- $90,137Salaries and employee benefits
- $37,341Premises and equipment expense
- $10,879Additional noninterest expense
- $41,917Pre-tax net operating income
- $75,139Securities gains (losses)
- $769Applicable income taxes
- $27,009Income before extraordinary items
- $48,899Extraordinary gains - net
- $0Net income attributable to bank
- $48,899Net charge-offs
- $5,919Cash dividends
- $41,000Sale, conversion, retirement of capital stock, net
- $0Net operating income
Performance and Condition Ratios (December 31, 1996)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 0.00%Yield on earning assets
- 7.74%Cost of funding earning assets
- 3.37%Net interest margin
- 4.37%Noninterest income to earning assets
- 1.69%Noninterest expense to earning assets
- 3.19%Net operating income to assets
- 1.53%Return on assets (ROA)
- 1.54%Pretax return on assets
- 2.40%Return on equity (ROE)
- 21.09%Retained earnings to average equity (YTD only)
- 3.41%Net charge-offs to loans
- 0.31%Credit loss provision to net charge-offs
- 100.41%Efficiency ratio
- 51,719Assets per employee
- 2.76%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 83.85%Loss allowance to loans
- 1.84%Loss allowance to noncurrent loans
- 279.20%Noncurrent assets plus other real estate owned to assets
- 0.41%Noncurrent loans to loans
- 0.66%Net loans and leases to deposits
- 69.17%Net loans and leases to core deposits
- 70.17%Equity capital to assets
- 7.35%Core capital (leverage) ratio
- 7.08%Tier 1 risk-based capital ratio
- 9.59%Total risk-based capital ratio
- Memoranda
- $11Average assets
- $3,165,340Average earning assets
- $231,805Average equity
- $2,822,653Average loans
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- Banks in Missouri (MO)
- Commerce Bank, National Association
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