Commerce Bank of St. Joseph, National Association in St. Joseph, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 28, 1996

  • Commerce Bank of St. Joseph, National Association in St. Joseph, Missouri (MO)
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Commerce Bank of St. Joseph, National Association - Overview

  • General
  • FDIC Certificate #: 8577
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commerce Bank (#24998)
    Federal Reserve ID: 356257
    Date Established: January 01, 1914
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 5480
    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: June 28, 1996
    Last Structure Change Process Date: July 10, 1996
    Last Data Update: July 10, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 4th And Felix Streets, St. Joseph, MO 64501
    County: Buchanan
    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: West
    Metropolitan Statistical Area (MSA): St. Joseph, MO (#7000)
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • Financial Summary
  • Total assets: $319.5 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)
  • $107Total assets
  • $322,924Cash and due from depository institutions
  • $10,316Interest-bearing balances
  • $0Securities
  • $98,688Federal funds sold & reverse repurchase agreements
  • $13,100Net loans & leases
  • $193,110Loan loss allowance
  • $3,044Trading account assets
  • $0Bank premises and fixed assets
  • $2,543Other real estate owned
  • $101Goodwill and other intangibles
  • $4,754Life insurance assets
  • $312All other assets
  • $0Total liabilities and capital
  • $322,924Total liabilities
  • $297,586Total deposits
  • $274,552Interest-bearing deposits
  • $235,686Deposits held in domestic offices
  • 274552.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $20,091Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $2,943Total equity capital
  • $2,943Total bank equity capital
  • $25,338Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $14,750Undivided profits
  • Memoranda
  • $9,588Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,894Income earned, not collected on loans
  • $1,468Earning assets
  • $304,898Long-term assets (5+ years)
  • $25,136Average Assets, year-to-date
  • $322,173Average Assets, quarterly
  • $323,415Volatile liabilities
  • $22,234Insider loans
  • $11,002FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $62,582Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $24,204Total risk weighted assets
  • $181,520Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,826Total interest expense
  • $11,421Net interest income
  • $12,405Provision for loan and lease losses
  • $226Total noninterest income
  • $2,597Fiduciary activities
  • $1,059Service charges on deposit accounts
  • $1,026Trading account gains & fees
  • $0Additional noninterest income
  • $512Total noninterest expense
  • $7,418Salaries and employee benefits
  • $2,827Premises and equipment expense
  • $752Additional noninterest expense
  • $3,839Pre-tax net operating income
  • $7,358Securities gains (losses)
  • $110Applicable income taxes
  • $2,948Income before extraordinary items
  • $4,520Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,520Net charge-offs
  • $157Cash dividends
  • $4,000Sale, 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
  • 7.83%Cost of funding earning assets
  • 3.75%Net interest margin
  • 4.08%Noninterest income to earning assets
  • 0.85%Noninterest expense to earning assets
  • 2.44%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 2.32%Return on equity (ROE)
  • 17.92%Retained earnings to average equity (YTD only)
  • 2.06%Net charge-offs to loans
  • 0.08%Credit loss provision to net charge-offs
  • 143.95%Efficiency ratio
  • 47,340Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.50%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 160.72%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 70.34%Net loans and leases to core deposits
  • 70.89%Equity capital to assets
  • 7.85%Core capital (leverage) ratio
  • 7.50%Tier 1 risk-based capital ratio
  • 13.33%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $322,173Average earning assets
  • $25,220Average equity
  • $304,374Average loans

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