Commerce Bank of St. Joseph, National Association in St. Joseph, Missouri (MO)
Table of contents:
| Commerce Bank of St. Joseph, National Association | |
|---|---|
| General | FDIC Certificate #: 8577 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Commerce Bank (#24998) Federal Reserve ID: 356257 Date Established: January 01, 1914 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 #: 5480 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: 4th And Felix Streets, St. Joseph, MO 64501 County: Buchanan Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): St. Joseph, MO (#7000) Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140) CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140) |
| Financial Summary | Total assets: $319.5 mil |
| Assets and Liabilities (December 31, 1995) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 0 |
| Total assets | $107 |
| Cash and due from depository institutions | $322,924 |
| Interest-bearing balances | $10,316 |
| Securities | $0 |
| Federal funds sold & reverse repurchase agreements | $98,688 |
| Net loans & leases | $13,100 |
| Loan loss allowance | $193,110 |
| Trading account assets | $3,044 |
| Bank premises and fixed assets | $0 |
| Other real estate owned | $2,543 |
| Goodwill and other intangibles | $101 |
| All other assets | $312 |
| Life insurance assets | $4,754 |
| Total liabilities and capital | $0 |
| Total liabilities | $322,924 |
| Total deposits | $297,586 |
| Interest-bearing deposits | $274,552 |
| Deposits held in domestic offices | $235,686 |
| % insured (estimated) | 274552.00% |
| Federal funds purchased & repurchase agreements | $95 |
| Trading liabilities | $20,091 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $0 |
| Total equity capital | $2,943 |
| Total bank equity capital | $2,943 |
| Perpetual preferred stock | $25,338 |
| Common stock | $0 |
| Surplus | $1,000 |
| Undivided profits | $14,750 |
| Memoranda | |
| Noncurrent loans and leases | $9,588 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $1,894 |
| Earning assets | $1,468 |
| Long-term assets (5+ years) | $304,898 |
| Average Assets, year-to-date | $25,136 |
| Average Assets, quarterly | $322,173 |
| Volatile liabilities | $323,415 |
| Insider loans | $22,234 |
| FHLB advances | $11,002 |
| Loans and leases held for sale | $0 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $62,582 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $24,204 |
| Total unused commitments | $181,520 |
| Restructured Loans and leases | $0 |
| Derivatives | $0 |
| Income and Expense (December 31, 1995) (Dollar figures in thousands) | |
| Total interest income | $0 |
| Total interest expense | $23,826 |
| Net interest income | $11,421 |
| Provision for loan and lease losses | $12,405 |
| Total noninterest income | $226 |
| Fiduciary activities | $2,597 |
| Service charges on deposit accounts | $1,059 |
| Trading account gains & fees | $1,026 |
| Additional noninterest income | $0 |
| Total noninterest expense | $512 |
| Salaries and employee benefits | $7,418 |
| Premises and equipment expense | $2,827 |
| Additional noninterest expense | $752 |
| Pre-tax net operating income | $3,839 |
| Securities gains (losses) | $7,358 |
| Applicable income taxes | $110 |
| Income before extraordinary items | $2,948 |
| Extraordinary gains - net | $4,520 |
| Net income attributable to bank | $0 |
| Net charge-offs | $4,520 |
| Cash dividends | $157 |
| Sale, conversion, retirement of capital stock, net | $4,000 |
| 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 | 7.83% |
| Net interest margin | 3.75% |
| Noninterest income to earning assets | 4.08% |
| Noninterest expense to earning assets | 0.85% |
| Net operating income to assets | 2.44% |
| Return on assets (ROA) | 1.38% |
| Pretax return on assets | 1.40% |
| Return on equity (ROE) | 2.32% |
| Retained earnings to average equity (YTD only) | 17.92% |
| Net charge-offs to loans | 2.06% |
| Credit loss provision to net charge-offs | 0.08% |
| Efficiency ratio | 143.95% |
| Assets per employee | $47,340 |
| Cash dividends to net income (YTD only) | 3.02% |
| Condition Ratios (%) | |
| Loss allowance to loans | 88.50% |
| Loss allowance to noncurrent loans | 1.55% |
| Noncurrent assets plus other real estate owned to assets | 160.72% |
| Noncurrent loans to loans | 0.62% |
| Net loans and leases to deposits | 0.97% |
| Net loans and leases to core deposits | 70.34% |
| Equity capital to assets | 70.89% |
| Core capital (leverage) ratio | 7.85% |
| Tier 1 risk-based capital ratio | 7.50% |
| Total risk-based capital ratio | 13.33% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $322,173 |
| Average equity | $25,220 |
| Average loans | $304,374 |
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