Commerce Bank of Lebanon, National Association in Lebanon, Missouri (MO)
Table of contents:
| Commerce Bank of Lebanon, National Association | |
|---|---|
| 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 |
| Assets and Liabilities (December 31, 1995) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 0 |
| Total assets | $33 |
| Cash and due from depository institutions | $105,467 |
| Interest-bearing balances | $3,039 |
| Securities | $0 |
| Federal funds sold & reverse repurchase agreements | $44,392 |
| Net loans & leases | $0 |
| Loan loss allowance | $55,485 |
| Trading account assets | $1,427 |
| Bank premises and fixed assets | $0 |
| Other real estate owned | $940 |
| Goodwill and other intangibles | $0 |
| All other assets | $0 |
| Life insurance assets | $1,611 |
| Total liabilities and capital | $0 |
| Total liabilities | $105,467 |
| Total deposits | $98,152 |
| Interest-bearing deposits | $96,857 |
| Deposits held in domestic offices | $84,353 |
| % insured (estimated) | 96857.00% |
| Federal funds purchased & repurchase agreements | $87 |
| Trading liabilities | $425 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $0 |
| Total equity capital | $870 |
| Total bank equity capital | $870 |
| Perpetual preferred stock | $7,315 |
| Common stock | $0 |
| Surplus | $500 |
| Undivided profits | $1,000 |
| Memoranda | |
| Noncurrent loans and leases | $5,815 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $32 |
| Earning assets | $512 |
| Long-term assets (5+ years) | $99,877 |
| Average Assets, year-to-date | $7,381 |
| Average Assets, quarterly | $100,776 |
| Volatile liabilities | $103,277 |
| Insider loans | $4,924 |
| FHLB advances | $388 |
| Loans and leases held for sale | $0 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $16,085 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $6,891 |
| Total unused commitments | $51,530 |
| Restructured Loans and leases | $0 |
| Derivatives | $0 |
| Income and Expense (December 31, 1995) (Dollar figures in thousands) | |
| Total interest income | $0 |
| Total interest expense | $7,196 |
| Net interest income | $3,494 |
| Provision for loan and lease losses | $3,702 |
| Total noninterest income | $0 |
| Fiduciary activities | $588 |
| Service charges on deposit accounts | $0 |
| Trading account gains & fees | $402 |
| Additional noninterest income | $0 |
| Total noninterest expense | $186 |
| Salaries and employee benefits | $2,034 |
| Premises and equipment expense | $755 |
| Additional noninterest expense | $186 |
| Pre-tax net operating income | $1,093 |
| Securities gains (losses) | $2,256 |
| Applicable income taxes | $15 |
| Income before extraordinary items | $858 |
| Extraordinary gains - net | $1,413 |
| Net income attributable to bank | $0 |
| Net charge-offs | $1,413 |
| Cash dividends | $30 |
| Sale, conversion, retirement of capital stock, net | $1,500 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 1995) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 0.00% |
| Cost of funding earning assets | 7.56% |
| Net interest margin | 3.67% |
| Noninterest income to earning assets | 3.89% |
| Noninterest expense to earning assets | 0.62% |
| Net operating income to assets | 2.14% |
| Return on assets (ROA) | 1.39% |
| Pretax return on assets | 1.40% |
| Return on equity (ROE) | 2.25% |
| Retained earnings to average equity (YTD only) | 19.36% |
| Net charge-offs to loans | -1.19% |
| Credit loss provision to net charge-offs | 0.06% |
| Efficiency ratio | 0.00% |
| Assets per employee | $47,413 |
| Cash dividends to net income (YTD only) | 3.20% |
| Condition Ratios (%) | |
| Loss allowance to loans | 106.16% |
| Loss allowance to noncurrent loans | 2.51% |
| Noncurrent assets plus other real estate owned to assets | 4459.38% |
| Noncurrent loans to loans | 0.03% |
| Net loans and leases to deposits | 0.06% |
| Net loans and leases to core deposits | 57.29% |
| Equity capital to assets | 60.08% |
| Core capital (leverage) ratio | 6.94% |
| Tier 1 risk-based capital ratio | 6.67% |
| Total risk-based capital ratio | 13.37% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $100,776 |
| Average equity | $7,299 |
| Average loans | $95,192 |
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