Commerce Bank, National Association in Manhattan, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 25, 1996

  • Commerce Bank, National Association in Manhattan, Kansas (KS)
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Commerce Bank, National Association - Overview

  • General
  • FDIC Certificate #: 4725
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commerce Bank (#24998)
    Federal Reserve ID: 264950
    Date Established: January 01, 1889
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 3145
    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: October 25, 1996
    Last Structure Change Process Date: October 31, 1996
    Last Data Update: October 31, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 727 Poyntz Avenue, Manhattan, KS 66502
    County: Riley
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Manhattan, KS (#31740)
    CBSA Metro Statistical Area: Manhattan, KS (#31740)
  • Financial Summary
  • Total assets: $160.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $65Total assets
  • $148,639Cash and due from depository institutions
  • $6,531Interest-bearing balances
  • $0Securities
  • $64,614Federal funds sold & reverse repurchase agreements
  • $6,450Net loans & leases
  • $67,427Loan loss allowance
  • $1,128Trading account assets
  • $0Bank premises and fixed assets
  • $1,598Other real estate owned
  • $158Goodwill and other intangibles
  • $1,861Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $148,639Total liabilities
  • $133,593Total deposits
  • $122,574Interest-bearing deposits
  • $107,353Deposits held in domestic offices
  • 122574.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $9,785Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,234Total equity capital
  • $1,234Total bank equity capital
  • $15,046Perpetual preferred stock
  • $0Common stock
  • $330Surplus
  • $3,400Undivided profits
  • Memoranda
  • $11,316Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $380Income earned, not collected on loans
  • $551Earning assets
  • $138,491Long-term assets (5+ years)
  • $12,076Average Assets, year-to-date
  • $145,061Average Assets, quarterly
  • $147,340Volatile liabilities
  • $17,629Insider loans
  • $2,274FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,798Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,922Total risk weighted assets
  • $65,175Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $10,306Total interest expense
  • $4,994Net interest income
  • $5,312Provision for loan and lease losses
  • $148Total noninterest income
  • $1,516Fiduciary activities
  • $313Service charges on deposit accounts
  • $633Trading account gains & fees
  • $0Additional noninterest income
  • $570Total noninterest expense
  • $4,416Salaries and employee benefits
  • $2,094Premises and equipment expense
  • $534Additional noninterest expense
  • $1,788Pre-tax net operating income
  • $2,264Securities gains (losses)
  • -$27Applicable income taxes
  • $871Income before extraordinary items
  • $1,366Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,366Net charge-offs
  • $148Cash dividends
  • $0Sale, 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
  • 7.62%Cost of funding earning assets
  • 3.69%Net interest margin
  • 3.93%Noninterest income to earning assets
  • 1.12%Noninterest expense to earning assets
  • 3.26%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 1.54%Return on equity (ROE)
  • 10.05%Retained earnings to average equity (YTD only)
  • 10.05%Net charge-offs to loans
  • 0.21%Credit loss provision to net charge-offs
  • 100.00%Efficiency ratio
  • 64,675Assets per employee
  • 2.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 296.84%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.55%Net loans and leases to deposits
  • 55.01%Net loans and leases to core deposits
  • 58.77%Equity capital to assets
  • 10.12%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 22.90%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $145,061Average earning assets
  • $13,589Average equity
  • $135,336Average loans

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