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

This bank is inactive as of December 31, 1996

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

  • General
  • FDIC Certificate #: 1657
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commerce Bank, National Association (#1425)
    Federal Reserve ID: 647254
    Date Established: September 19, 1901
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 48 (Interstate: No)
    FDIC's unique #: 1092
    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, 1996
    Last Structure Change Process Date: January 10, 1997
    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: $3,048.1 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $1,202Total assets
  • $3,019,011Cash and due from depository institutions
  • $229,339Interest-bearing balances
  • $372Securities
  • $793,713Federal funds sold & reverse repurchase agreements
  • $67,000Net loans & leases
  • $1,815,396Loan loss allowance
  • $35,752Trading account assets
  • $90Bank premises and fixed assets
  • $46,077Other real estate owned
  • $132Goodwill and other intangibles
  • $52,905Life insurance assets
  • $14,359All other assets
  • $0Total liabilities and capital
  • $3,019,011Total liabilities
  • $2,791,548Total deposits
  • $2,661,193Interest-bearing deposits
  • $2,120,089Deposits held in domestic offices
  • 2661193.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $89,705Trading liabilities
  • $0Other borrowed funds
  • $17,155Subordinated debt
  • $0All other liabilities
  • $23,495Total equity capital
  • $23,495Total bank equity capital
  • $227,463Perpetual preferred stock
  • $0Common stock
  • $50,000Surplus
  • $165,473Undivided profits
  • Memoranda
  • $11,990Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,104Income earned, not collected on loans
  • $23,219Earning assets
  • $2,676,571Long-term assets (5+ years)
  • $270,691Average Assets, year-to-date
  • $2,926,229Average Assets, quarterly
  • $2,973,976Volatile liabilities
  • $139,354Insider loans
  • $189,405FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,165,257Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $208,013Total risk weighted assets
  • $1,987,898Total unused commitments
  • $0Restructured Loans and leases
  • $25,000Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $213,095Total interest expense
  • $92,078Net interest income
  • $121,017Provision for loan and lease losses
  • $3,140Total noninterest income
  • $39,730Fiduciary activities
  • $11,155Service charges on deposit accounts
  • $11,885Trading account gains & fees
  • $2,186Additional noninterest income
  • $14,504Total noninterest expense
  • $87,364Salaries and employee benefits
  • $39,120Premises and equipment expense
  • $10,178Additional noninterest expense
  • $38,066Pre-tax net operating income
  • $70,243Securities gains (losses)
  • -$46Applicable income taxes
  • $24,671Income before extraordinary items
  • $45,526Extraordinary gains - net
  • $0Net income attributable to bank
  • $45,526Net charge-offs
  • $699Cash dividends
  • $3,000Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.03%Cost of funding earning assets
  • 3.47%Net interest margin
  • 4.56%Noninterest income to earning assets
  • 1.50%Noninterest expense to earning assets
  • 3.29%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 2.40%Return on equity (ROE)
  • 22.13%Retained earnings to average equity (YTD only)
  • 20.67%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 449.21%Efficiency ratio
  • 54,050Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 6.59%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 253.49%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 68.22%Net loans and leases to core deposits
  • 69.19%Equity capital to assets
  • 7.53%Core capital (leverage) ratio
  • 7.10%Tier 1 risk-based capital ratio
  • 10.46%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $2,926,229Average earning assets
  • $205,729Average equity
  • $2,654,545Average loans

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