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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