Commerce Bank in El Dorado, Kansas (KS)
Table of contents:
| Commerce Bank | |
|---|---|
| General | FDIC Certificate #: 15260 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Commerce Bank, National Association (#4802) Federal Reserve ID: 831651 Date Established: May 16, 1923 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 9310 FDIC's unique #: 9607 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: August 21, 1935 Last Structure Change Effective Date: September 01, 1995 Last Structure Change Process Date: September 27, 1995 Last Data Update: September 27, 1995 Data Source Date: April 05, 2012 |
| Location | Address: 100 North Main Street, El Dorado, KS 67042 County: Butler Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Wichita, KS (#9040) Combined Statistical Area (CSA): Wichita-Winfield, KS (#556) Core Based Statistical Area (CBSA): Wichita, KS (#48620) CBSA Metro Statistical Area: Wichita, KS (#48620) |
| Financial Summary | Total assets: $94.4 mil |
| Assets and Liabilities (December 31, 1994) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 0 |
| Total assets | $44 |
| Cash and due from depository institutions | $97,618 |
| Interest-bearing balances | $5,341 |
| Securities | $11 |
| Federal funds sold & reverse repurchase agreements | $48,210 |
| Net loans & leases | $1,125 |
| Loan loss allowance | $38,187 |
| Trading account assets | $584 |
| Bank premises and fixed assets | $0 |
| Other real estate owned | $776 |
| Goodwill and other intangibles | $562 |
| All other assets | $1,368 |
| Life insurance assets | $2,049 |
| Total liabilities and capital | $0 |
| Total liabilities | $97,618 |
| Total deposits | $86,711 |
| Interest-bearing deposits | $86,374 |
| Deposits held in domestic offices | $81,314 |
| % insured (estimated) | 86374.00% |
| Federal funds purchased & repurchase agreements | $79 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $0 |
| Total equity capital | $337 |
| Total bank equity capital | $337 |
| Perpetual preferred stock | $10,907 |
| Common stock | $0 |
| Surplus | $150 |
| Undivided profits | $11,615 |
| Memoranda | |
| Noncurrent loans and leases | $-858 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $498 |
| Earning assets | $341 |
| Long-term assets (5+ years) | $87,533 |
| Average Assets, year-to-date | $11,884 |
| Average Assets, quarterly | $98,405 |
| Volatile liabilities | $97,240 |
| Insider loans | $9,684 |
| FHLB advances | $354 |
| Loans and leases held for sale | $0 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $3,281 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $10,467 |
| Total unused commitments | $43,347 |
| Restructured Loans and leases | $0 |
| Derivatives | $0 |
| Income and Expense (December 31, 1994) (Dollar figures in thousands) | |
| Total interest income | $0 |
| Total interest expense | $5,143 |
| Net interest income | $2,233 |
| Provision for loan and lease losses | $2,910 |
| Total noninterest income | $0 |
| Fiduciary activities | $543 |
| Service charges on deposit accounts | $32 |
| Trading account gains & fees | $320 |
| Additional noninterest income | $0 |
| Total noninterest expense | $191 |
| Salaries and employee benefits | $2,523 |
| Premises and equipment expense | $1,062 |
| Additional noninterest expense | $297 |
| Pre-tax net operating income | $1,164 |
| Securities gains (losses) | $930 |
| Applicable income taxes | $1 |
| Income before extraordinary items | $362 |
| Extraordinary gains - net | $569 |
| Net income attributable to bank | $0 |
| Net charge-offs | $569 |
| Cash dividends | $87 |
| Sale, conversion, retirement of capital stock, net | $3,200 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 1994) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 0.00% |
| Cost of funding earning assets | 5.63% |
| Net interest margin | 2.44% |
| Noninterest income to earning assets | 3.19% |
| Noninterest expense to earning assets | 0.59% |
| Net operating income to assets | 2.76% |
| Return on assets (ROA) | 0.58% |
| Pretax return on assets | 0.58% |
| Return on equity (ROE) | 0.95% |
| Retained earnings to average equity (YTD only) | 4.41% |
| Net charge-offs to loans | -20.37% |
| Credit loss provision to net charge-offs | 0.21% |
| Efficiency ratio | 0.00% |
| Assets per employee | $70,721 |
| Cash dividends to net income (YTD only) | 2.22% |
| Condition Ratios (%) | |
| Loss allowance to loans | 562.39% |
| Loss allowance to noncurrent loans | 1.51% |
| Noncurrent assets plus other real estate owned to assets | 117.27% |
| Noncurrent loans to loans | 1.09% |
| Net loans and leases to deposits | 1.28% |
| Net loans and leases to core deposits | 44.21% |
| Equity capital to assets | 49.79% |
| Core capital (leverage) ratio | 11.17% |
| Tier 1 risk-based capital ratio | 11.23% |
| Total risk-based capital ratio | 24.15% |
| Memoranda | |
| Average assets | $25 |
| Average earning assets | $98,405 |
| Average equity | $12,916 |
| Average loans | $91,334 |
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