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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, 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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- Banks in Missouri (MO)
- Commerce Bank, National Association
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