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)
  • Show street view No street view available for this location

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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