Commerce Bank of St. Francois County, National Association in Farmington, Missouri (MO)
Table of contents:
| Commerce Bank of St. Francois County, National Association | |
|---|---|
| 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 |
| Assets and Liabilities (December 31, 1993) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 0 |
| Total assets | $59 |
| Cash and due from depository institutions | $101,350 |
| Interest-bearing balances | $3,183 |
| Securities | $0 |
| Federal funds sold & reverse repurchase agreements | $34,756 |
| Net loans & leases | $0 |
| Loan loss allowance | $60,062 |
| Trading account assets | $996 |
| Bank premises and fixed assets | $0 |
| Other real estate owned | $1,476 |
| Goodwill and other intangibles | $55 |
| All other assets | $459 |
| Life insurance assets | $1,359 |
| Total liabilities and capital | $0 |
| Total liabilities | $101,350 |
| Total deposits | $93,641 |
| Interest-bearing deposits | $91,028 |
| Deposits held in domestic offices | $81,600 |
| % insured (estimated) | 91028.00% |
| Federal funds purchased & repurchase agreements | $96 |
| Trading liabilities | $2,030 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $0 |
| Total equity capital | $583 |
| Total bank equity capital | $583 |
| Perpetual preferred stock | $7,709 |
| Common stock | $0 |
| Surplus | $300 |
| Undivided profits | $2,000 |
| Memoranda | |
| Noncurrent loans and leases | $5,409 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $408 |
| Earning assets | $314 |
| Long-term assets (5+ years) | $94,818 |
| Average Assets, year-to-date | $1,562 |
| Average Assets, quarterly | $108,553 |
| Volatile liabilities | $105,222 |
| Insider loans | $3,196 |
| FHLB advances | $694 |
| Loans and leases held for sale | $0 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $12,292 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $7,250 |
| Total unused commitments | $42,657 |
| Restructured Loans and leases | $0 |
| Derivatives | $0 |
| Income and Expense (December 31, 1993) (Dollar figures in thousands) | |
| Total interest income | $0 |
| Total interest expense | $7,169 |
| Net interest income | $3,235 |
| Provision for loan and lease losses | $3,934 |
| Total noninterest income | $85 |
| Fiduciary activities | $750 |
| Service charges on deposit accounts | $0 |
| Trading account gains & fees | $523 |
| Additional noninterest income | $0 |
| Total noninterest expense | $227 |
| Salaries and employee benefits | $3,072 |
| Premises and equipment expense | $1,252 |
| Additional noninterest expense | $337 |
| Pre-tax net operating income | $1,483 |
| Securities gains (losses) | $1,527 |
| Applicable income taxes | $91 |
| Income before extraordinary items | $619 |
| Extraordinary gains - net | $999 |
| Net income attributable to bank | $0 |
| Net charge-offs | $999 |
| Cash dividends | $107 |
| Sale, conversion, retirement of capital stock, net | $750 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 1993) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 0.00% |
| Cost of funding earning assets | 7.02% |
| Net interest margin | 3.17% |
| Noninterest income to earning assets | 3.85% |
| Noninterest expense to earning assets | 0.73% |
| Net operating income to assets | 3.01% |
| Return on assets (ROA) | 0.87% |
| Pretax return on assets | 0.92% |
| Return on equity (ROE) | 1.49% |
| Retained earnings to average equity (YTD only) | 12.79% |
| Net charge-offs to loans | 3.19% |
| Credit loss provision to net charge-offs | 0.18% |
| Efficiency ratio | 79.44% |
| Assets per employee | $64,411 |
| Cash dividends to net income (YTD only) | 1.72% |
| Condition Ratios (%) | |
| Loss allowance to loans | 75.08% |
| Loss allowance to noncurrent loans | 1.63% |
| Noncurrent assets plus other real estate owned to assets | 244.12% |
| Noncurrent loans to loans | 0.46% |
| Net loans and leases to deposits | 0.67% |
| Net loans and leases to core deposits | 65.98% |
| Equity capital to assets | 66.84% |
| Core capital (leverage) ratio | 7.61% |
| Tier 1 risk-based capital ratio | 7.02% |
| Total risk-based capital ratio | 17.00% |
| Memoranda | |
| Average assets | $18 |
| Average earning assets | $108,553 |
| Average equity | $7,810 |
| Average loans | $102,194 |
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