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- Banks in Missouri (MO)
- Commercial Bank of Liberty, N. A.
Commercial Bank of Liberty, N. A. in Liberty, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of September 01, 1994
- Commercial Bank of Liberty, N. A. in Liberty, Missouri (MO)
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Commercial Bank of Liberty, N. A. - Overview
- General
- FDIC Certificate #: 10038
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commerce Bank, National Association (#1154)
Federal Reserve ID: 821054
Date Established: January 01, 1867
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 #: 6416
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: September 01, 1994
Last Structure Change Process Date: September 09, 1994
Last Data Update: September 09, 1994
Data Source Date: April 05, 2012 - Location
- Address: 1 Liberty Bell Circle, Liberty, MO 64068
County: Clay
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): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140) - Financial Summary
- Total assets: $82.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1993)
- Dollar figures in thousands
- 0Total employees (full-time equivalent)
- $44Total assets
- $94,397Cash and due from depository institutions
- $3,565Interest-bearing balances
- $0Securities
- $61,728Federal funds sold & reverse repurchase agreements
- $675Net loans & leases
- $25,807Loan loss allowance
- $949Trading account assets
- $0Bank premises and fixed assets
- $1,393Other real estate owned
- $0Goodwill and other intangibles
- $1,229Life insurance assets
- $0All other assets
- $0Total liabilities and capital
- $94,397Total liabilities
- $87,527Total deposits
- $86,767Interest-bearing deposits
- $75,355Deposits held in domestic offices
- 86767.00%% insured (estimated)
- $71Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $0Other borrowed funds
- $89Subordinated debt
- $0All other liabilities
- $671Total equity capital
- $671Total bank equity capital
- $6,870Perpetual preferred stock
- $0Common stock
- $270Surplus
- $1,165Undivided profits
- Memoranda
- $5,435Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $1,693Income earned, not collected on loans
- $123Earning assets
- $88,210Long-term assets (5+ years)
- $18,019Average Assets, year-to-date
- $95,171Average Assets, quarterly
- $93,841Volatile liabilities
- $19,982Insider loans
- $2,028FHLB advances
- $0Loans and leases held for sale
- $0Unused loan commitments
- $2,893Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $6,870Total risk weighted assets
- $58,577Total unused commitments
- $0Restructured Loans and leases
- $0Derivatives
Income and Expense (December 31, 1993)
- Dollar figures in thousands
- $0Total interest income
- $5,842Total interest expense
- $2,468Net interest income
- $3,374Provision for loan and lease losses
- $104Total noninterest income
- $628Fiduciary activities
- $0Service charges on deposit accounts
- $399Trading account gains & fees
- $0Additional noninterest income
- $229Total noninterest expense
- $3,199Salaries and employee benefits
- $1,575Premises and equipment expense
- $423Additional noninterest expense
- $1,201Pre-tax net operating income
- $699Securities gains (losses)
- $301Applicable income taxes
- $232Income before extraordinary items
- $768Extraordinary gains - net
- $0Net income attributable to bank
- $768Net charge-offs
- $214Cash dividends
- $90Sale, conversion, retirement of capital stock, net
- $0Net operating income
Performance and Condition Ratios (December 31, 1993)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 0.00%Yield on earning assets
- 6.56%Cost of funding earning assets
- 2.77%Net interest margin
- 3.79%Noninterest income to earning assets
- 0.71%Noninterest expense to earning assets
- 3.59%Net operating income to assets
- 0.56%Return on assets (ROA)
- 0.81%Pretax return on assets
- 1.05%Return on equity (ROE)
- 11.80%Retained earnings to average equity (YTD only)
- 10.42%Net charge-offs to loans
- 0.73%Credit loss provision to net charge-offs
- 48.60%Efficiency ratio
- 79,935Assets per employee
- 2.15%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 11.72%Loss allowance to loans
- 3.55%Loss allowance to noncurrent loans
- 56.05%Noncurrent assets plus other real estate owned to assets
- 1.79%Noncurrent loans to loans
- 6.33%Net loans and leases to deposits
- 29.74%Net loans and leases to core deposits
- 38.64%Equity capital to assets
- 7.28%Core capital (leverage) ratio
- 7.25%Tier 1 risk-based capital ratio
- 11.73%Total risk-based capital ratio
- Memoranda
- $13Average assets
- $95,171Average earning assets
- $6,508Average equity
- $89,077Average loans
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- Banks in Missouri (MO)
- Commercial Bank of Liberty, N. A.
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