Commerce Bank Texas in Stockdale, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Commerce Bank Texas - Overview

  • General
  • FDIC Certificate #: 15346
    Status: Active
    Federal Reserve ID: 174367
    Bank Holding Company (Regulatory Top Holder): Commerce Financial Corporation (RSSDID: 3681905, Location: Corpus Christi, TX)
    Date Established: Febuary 01, 1932
    WWW: http://www.commercebanktx.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9676
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 31, 1936
    Last Structure Change Effective Date: September 15, 2008
    Last Structure Change Process Date: October 28, 2008
    Last Data Update: October 28, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 112 West Fordtran Drive, Stockdale, TX 78160
    County: Wilson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Corrections
    Change in Location
    Name Change
  • Financial Summary
  • Total assets: $38.6 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $32.2 mil
    Return on assets (ROA): -0.06% (-$0.0 mil)
    Quarterly return on assets: 0.24% ($0.1 mil)
    Return on Equity (ROE): -0.33% (-$0.0 mil)
    Quarterly return on equity: 1.45% ($0.1 mil)
    Net income: -$0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.06% (-$23.2 mil)
    Quarterly Pretax return on assets: 0.24% ($92.7 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 9Total employees (full-time equivalent)
  • $38,626Total assets
  • $775Cash and due from depository institutions
  • $0Interest-bearing balances
  • $12,796Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,347Net loans & leases
  • $259Loan loss allowance
  • $0Trading account assets
  • $1,765Bank premises and fixed assets
  • $39Other real estate owned
  • $2,675Goodwill and other intangibles
  • $38,626Life insurance assets
  • $229All other assets
  • $32,281Total liabilities and capital
  • $32,249Total liabilities
  • $24,858Total deposits
  • $32,249Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $32Subordinated debt
  • $6,345All other liabilities
  • $6,345Total equity capital
  • $6,345Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $6,417Surplus
  • $-572Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $49Income earned, not collected on loans
  • $0Earning assets
  • $137Long-term assets (5+ years)
  • $33,143Average Assets, year-to-date
  • $11,556Average Assets, quarterly
  • $36,699Volatile liabilities
  • $38,824Insider loans
  • $23,388FHLB advances
  • $36,645Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,611Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,261Restructured Loans and leases
  • $680Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,456Total interest income
  • $138Total interest expense
  • $1,318Net interest income
  • -$20Provision for loan and lease losses
  • $165Total noninterest income
  • $0Fiduciary activities
  • $144Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21Additional noninterest income
  • $1,552Total noninterest expense
  • $665Salaries and employee benefits
  • $377Premises and equipment expense
  • $510Additional noninterest expense
  • -$49Pre-tax net operating income
  • $28Securities gains (losses)
  • $0Applicable income taxes
  • -$21Income before extraordinary items
  • $0Extraordinary gains - net
  • -$21Net income attributable to bank
  • $0Net charge-offs
  • -$21Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 5.21%Noninterest expense to earning assets
  • -0.13%Net operating income to assets
  • -0.06%Return on assets (ROA)
  • -0.06%Pretax return on assets
  • -0.33%Return on equity (ROE)
  • -0.33%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 102,697Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 528.57%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 63.09%Net loans and leases to core deposits
  • 67.45%Equity capital to assets
  • 16.43%Core capital (leverage) ratio
  • 9.85%Tier 1 risk-based capital ratio
  • 15.44%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $36,699Average earning assets
  • $6,316Average equity
  • $29,782Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09676Commerce Bank Texas112 West Fordtran Drive, Stockdale, TX 78160Febuary 01, 1932Full Service Brick and Mortar

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