Commerce Bank, National Association in Columbia, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 28, 1996

  • Commerce Bank, National Association in Columbia, Missouri (MO)
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Commerce Bank, National Association - Overview

  • General
  • FDIC Certificate #: 1631
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commerce Bank (#24998)
    Federal Reserve ID: 237945
    Date Established: January 01, 1861
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Interstate: No)
    FDIC's unique #: 1071
    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: 500 Business Loop 70 West, Columbia, MO 65201
    County: Boone
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Columbia, MO (#1740)
    Core Based Statistical Area (CBSA): Columbia, MO (#17860)
    CBSA Metro Statistical Area: Columbia, MO (#17860)
  • Financial Summary
  • Total assets: $373.7 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)
  • $160Total assets
  • $377,611Cash and due from depository institutions
  • $12,677Interest-bearing balances
  • $0Securities
  • $69,095Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $284,439Loan loss allowance
  • $3,130Trading account assets
  • $0Bank premises and fixed assets
  • $5,456Other real estate owned
  • $20Goodwill and other intangibles
  • $5,534Life insurance assets
  • $390All other assets
  • $0Total liabilities and capital
  • $377,611Total liabilities
  • $351,326Total deposits
  • $342,699Interest-bearing deposits
  • $292,481Deposits held in domestic offices
  • 342699.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $5,700Trading liabilities
  • $0Other borrowed funds
  • $225Subordinated debt
  • $0All other liabilities
  • $2,702Total equity capital
  • $2,702Total bank equity capital
  • $26,285Perpetual preferred stock
  • $0Common stock
  • $6,250Surplus
  • $9,323Undivided profits
  • Memoranda
  • $10,712Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,400Income earned, not collected on loans
  • $2,586Earning assets
  • $353,534Long-term assets (5+ years)
  • $22,538Average Assets, year-to-date
  • $376,897Average Assets, quarterly
  • $374,326Volatile liabilities
  • $20,745Insider loans
  • $15,462FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $92,173Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $25,472Total risk weighted assets
  • $251,667Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $28,311Total interest expense
  • $13,097Net interest income
  • $15,214Provision for loan and lease losses
  • $515Total noninterest income
  • $2,416Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,472Trading account gains & fees
  • $0Additional noninterest income
  • $944Total noninterest expense
  • $10,896Salaries and employee benefits
  • $4,134Premises and equipment expense
  • $1,360Additional noninterest expense
  • $5,402Pre-tax net operating income
  • $6,219Securities gains (losses)
  • $38Applicable income taxes
  • $2,330Income before extraordinary items
  • $3,927Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,927Net charge-offs
  • $564Cash 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
  • 8.04%Cost of funding earning assets
  • 3.72%Net interest margin
  • 4.32%Noninterest income to earning assets
  • 0.69%Noninterest expense to earning assets
  • 3.10%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 1.66%Return on equity (ROE)
  • 15.44%Retained earnings to average equity (YTD only)
  • -0.29%Net charge-offs to loans
  • 0.20%Credit loss provision to net charge-offs
  • 91.31%Efficiency ratio
  • 61,645Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 101.86%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 223.57%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 83.00%Net loans and leases to core deposits
  • 86.75%Equity capital to assets
  • 6.96%Core capital (leverage) ratio
  • 6.82%Tier 1 risk-based capital ratio
  • 10.12%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $376,897Average earning assets
  • $25,439Average equity
  • $351,975Average loans

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