Commercial Bank in Saint Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Commercial Bank in Saint Louis, Missouri (MO)
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Commercial Bank - Overview

  • General
  • FDIC Certificate #: 27409
    Status: Active
    Federal Reserve ID: 1225752
    Bank Holding Company (Regulatory Top Holder): Commercial Bancshares, Inc. (RSSDID: 3101560, Location: Maryland Heights, MO)
    Date Established: December 21, 1988
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 39878
    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: December 21, 1988
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2330 West Port Plaza Drive, Saint Louis, MO 63146
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $163.1 mil
    Equity capital: $13.6 mil
    Deposits held in domestic offices: $143.8 mil
    Return on assets (ROA): -0.80% (-$1.3 mil)
    Quarterly return on assets: -1.26% (-$2.1 mil)
    Return on Equity (ROE): -10.01% (-$1.4 mil)
    Quarterly return on equity: -15.32% (-$2.1 mil)
    Net income: -$1.4 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -1.03% (-$1,680.1 mil)
    Quarterly Pretax return on assets: -1.25% (-$2,038.9 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
  • 39Total employees (full-time equivalent)
  • $163,114Total assets
  • $2,604Cash and due from depository institutions
  • $1,730Interest-bearing balances
  • $43,006Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $106,224Net loans & leases
  • $2,720Loan loss allowance
  • $0Trading account assets
  • $1,885Bank premises and fixed assets
  • $2,956Other real estate owned
  • $0Goodwill and other intangibles
  • $163,114Life insurance assets
  • $6,439All other assets
  • $149,537Total liabilities and capital
  • $143,753Total liabilities
  • $112,199Total deposits
  • $143,753Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $1,784Subordinated debt
  • $13,577All other liabilities
  • $13,577Total equity capital
  • $13,577Total bank equity capital
  • $0Perpetual preferred stock
  • $2,675Common stock
  • $4,475Surplus
  • $6,427Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $537Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,821Income earned, not collected on loans
  • $0Earning assets
  • $596Long-term assets (5+ years)
  • $150,960Average Assets, year-to-date
  • $38,958Average Assets, quarterly
  • $170,914Volatile liabilities
  • $168,732Insider loans
  • $124,072FHLB advances
  • $168,177Loans and leases held for sale
  • $3,415Unused loan commitments
  • $3,415Tier 1 (core) risk-based capital
  • $11,649Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,037Restructured Loans and leases
  • $6,163Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,013Total interest income
  • $1,452Total interest expense
  • $6,561Net interest income
  • $2,699Provision for loan and lease losses
  • $1,325Total noninterest income
  • $0Fiduciary activities
  • $341Service charges on deposit accounts
  • $0Trading account gains & fees
  • $984Additional noninterest income
  • $7,339Total noninterest expense
  • $3,424Salaries and employee benefits
  • $824Premises and equipment expense
  • $3,091Additional noninterest expense
  • -$2,152Pre-tax net operating income
  • $385Securities gains (losses)
  • -$397Applicable income taxes
  • -$1,370Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,370Net income attributable to bank
  • $0Net charge-offs
  • -$1,370Cash dividends
  • $2,742Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 4.65%Noninterest expense to earning assets
  • -0.98%Net operating income to assets
  • -0.80%Return on assets (ROA)
  • -1.03%Pretax return on assets
  • -10.01%Return on equity (ROE)
  • -10.01%Retained earnings to average equity (YTD only)
  • 2.43%Net charge-offs to loans
  • 98.43%Credit loss provision to net charge-offs
  • 0.20%Efficiency ratio
  • 93,064Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.50%Loss allowance to noncurrent loans
  • 71.19%Noncurrent assets plus other real estate owned to assets
  • 4.15%Noncurrent loans to loans
  • 3.51%Net loans and leases to deposits
  • 73.89%Net loans and leases to core deposits
  • 76.17%Equity capital to assets
  • 8.32%Core capital (leverage) ratio
  • 6.93%Tier 1 risk-based capital ratio
  • 9.39%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $170,914Average earning assets
  • $13,684Average equity
  • $157,889Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039878Commercial Bank2330 West Port Plaza Drive, Saint Louis, MO 63146December 21, 1988Full Service Brick and Mortar
    1261957Florissant Branch400 West Washington, Florissant, MO 63031November 14, 1997Full Service Brick and Mortar
    2440844Chesterfield Branch703 Long Road Crossing Drive, Chesterfield, MO 63005May 17, 2005Full Service Brick and Mortar

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