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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