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

This bank is inactive as of June 28, 1996

Commerce Bank of Lebanon, National Association in Lebanon, Missouri (MO)
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Commerce Bank of Lebanon, National Association - Overview

General
FDIC Certificate #: 1644
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commerce Bank (#24998)
Federal Reserve ID: 925251
Date Established: January 01, 1905
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 #: 1080
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: 224 West Commercial Street, Lebanon, MO 65536
County: Laclede
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Lebanon, MO (#30060)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $103.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$33Total assets
$105,467Cash and due from depository institutions
$3,039Interest-bearing balances
$0Securities
$44,392Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$55,485Loan loss allowance
$1,427Trading account assets
$0Bank premises and fixed assets
$940Other real estate owned
$0Goodwill and other intangibles
$1,611Life insurance assets
$0All other assets
$0Total liabilities and capital
$105,467Total liabilities
$98,152Total deposits
$96,857Interest-bearing deposits
$84,353Deposits held in domestic offices
96857.00%% insured (estimated)
$87Federal funds purchased & repurchase agreements
$425Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$870Total equity capital
$870Total bank equity capital
$7,315Perpetual preferred stock
$0Common stock
$500Surplus
$1,000Undivided profits
Memoranda
$5,815Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$32Income earned, not collected on loans
$512Earning assets
$99,877Long-term assets (5+ years)
$7,381Average Assets, year-to-date
$100,776Average Assets, quarterly
$103,277Volatile liabilities
$4,924Insider loans
$388FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$16,085Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,891Total risk weighted assets
$51,530Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$7,196Total interest expense
$3,494Net interest income
$3,702Provision for loan and lease losses
$0Total noninterest income
$588Fiduciary activities
$0Service charges on deposit accounts
$402Trading account gains & fees
$0Additional noninterest income
$186Total noninterest expense
$2,034Salaries and employee benefits
$755Premises and equipment expense
$186Additional noninterest expense
$1,093Pre-tax net operating income
$2,256Securities gains (losses)
$15Applicable income taxes
$858Income before extraordinary items
$1,413Extraordinary gains - net
$0Net income attributable to bank
$1,413Net charge-offs
$30Cash dividends
$1,500Sale, 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
7.56%Cost of funding earning assets
3.67%Net interest margin
3.89%Noninterest income to earning assets
0.62%Noninterest expense to earning assets
2.14%Net operating income to assets
1.39%Return on assets (ROA)
1.40%Pretax return on assets
2.25%Return on equity (ROE)
19.36%Retained earnings to average equity (YTD only)
-1.19%Net charge-offs to loans
0.06%Credit loss provision to net charge-offs
0.00%Efficiency ratio
47,413Assets per employee
3.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
106.16%Loss allowance to loans
2.51%Loss allowance to noncurrent loans
4459.38%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.06%Net loans and leases to deposits
57.29%Net loans and leases to core deposits
60.08%Equity capital to assets
6.94%Core capital (leverage) ratio
6.67%Tier 1 risk-based capital ratio
13.37%Total risk-based capital ratio
Memoranda
$15Average assets
$100,776Average earning assets
$7,299Average equity
$95,192Average loans

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