Commerce Bank of St. Francois County, National Association in Farmington, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 08, 1994

Commerce Bank of St. Francois County, National Association in Farmington, Missouri (MO)
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Commerce Bank of St. Francois County, National Association - Overview

General
FDIC Certificate #: 20253
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commerce Bank, National Association (#13730)
Federal Reserve ID: 573942
Date Established: August 31, 1970
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
FDIC's unique #: 13932
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: August 31, 1970
Last Structure Change Effective Date: March 08, 1994
Last Structure Change Process Date: March 17, 1994
Last Data Update: March 17, 1994
Data Source Date: April 05, 2012
Location
Address: 1040 East Karsch Boulevard, Farmington, MO 63640
County: St. Francois
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
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): Farmington, MO (#22100)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $101.3 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)
$59Total assets
$101,350Cash and due from depository institutions
$3,183Interest-bearing balances
$0Securities
$34,756Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$60,062Loan loss allowance
$996Trading account assets
$0Bank premises and fixed assets
$1,476Other real estate owned
$55Goodwill and other intangibles
$1,359Life insurance assets
$459All other assets
$0Total liabilities and capital
$101,350Total liabilities
$93,641Total deposits
$91,028Interest-bearing deposits
$81,600Deposits held in domestic offices
91028.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$2,030Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$583Total equity capital
$583Total bank equity capital
$7,709Perpetual preferred stock
$0Common stock
$300Surplus
$2,000Undivided profits
Memoranda
$5,409Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$408Income earned, not collected on loans
$314Earning assets
$94,818Long-term assets (5+ years)
$1,562Average Assets, year-to-date
$108,553Average Assets, quarterly
$105,222Volatile liabilities
$3,196Insider loans
$694FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$12,292Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,250Total risk weighted assets
$42,657Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$7,169Total interest expense
$3,235Net interest income
$3,934Provision for loan and lease losses
$85Total noninterest income
$750Fiduciary activities
$0Service charges on deposit accounts
$523Trading account gains & fees
$0Additional noninterest income
$227Total noninterest expense
$3,072Salaries and employee benefits
$1,252Premises and equipment expense
$337Additional noninterest expense
$1,483Pre-tax net operating income
$1,527Securities gains (losses)
$91Applicable income taxes
$619Income before extraordinary items
$999Extraordinary gains - net
$0Net income attributable to bank
$999Net charge-offs
$107Cash dividends
$750Sale, 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
7.02%Cost of funding earning assets
3.17%Net interest margin
3.85%Noninterest income to earning assets
0.73%Noninterest expense to earning assets
3.01%Net operating income to assets
0.87%Return on assets (ROA)
0.92%Pretax return on assets
1.49%Return on equity (ROE)
12.79%Retained earnings to average equity (YTD only)
3.19%Net charge-offs to loans
0.18%Credit loss provision to net charge-offs
79.44%Efficiency ratio
64,411Assets per employee
1.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.08%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
244.12%Noncurrent assets plus other real estate owned to assets
0.46%Noncurrent loans to loans
0.67%Net loans and leases to deposits
65.98%Net loans and leases to core deposits
66.84%Equity capital to assets
7.61%Core capital (leverage) ratio
7.02%Tier 1 risk-based capital ratio
17.00%Total risk-based capital ratio
Memoranda
$18Average assets
$108,553Average earning assets
$7,810Average equity
$102,194Average loans

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