Legacy Bank & Trust Company in Rogersville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Legacy Bank & Trust Company in Rogersville, Missouri (MO)
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Legacy Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 22319
    Status: Active
    Federal Reserve ID: 397755
    Bank Holding Company (Regulatory Top Holder): Century Bancshares, Inc. (RSSDID: 1095469, Location: Gainesville, MO)
    Date Established: October 17, 1907
    WWW: http://www.legacybankandtrust.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 15528
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 17, 1976
    Last Structure Change Effective Date: January 20, 2009
    Last Structure Change Process Date: Febuary 27, 2009
    Last Data Update: Febuary 27, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 175 Johnstown Drive, Rogersville, MO 65742
    County: Webster
    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
    Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
    Core Based Statistical Area (CBSA): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $123.2 mil
    Equity capital: $13.1 mil
    Deposits held in domestic offices: $100.7 mil
    Return on assets (ROA): 0.53% ($0.7 mil)
    Quarterly return on assets: 0.21% ($0.3 mil)
    Return on Equity (ROE): 5.03% ($0.7 mil)
    Quarterly return on equity: 1.97% ($0.3 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.60% ($738.9 mil)
    Quarterly Pretax return on assets: 0.20% ($246.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 46Total employees (full-time equivalent)
  • $123,154Total assets
  • $5,725Cash and due from depository institutions
  • $3,740Interest-bearing balances
  • $11,753Securities
  • $7,842Federal funds sold & reverse repurchase agreements
  • $84,041Net loans & leases
  • $1,403Loan loss allowance
  • $0Trading account assets
  • $5,211Bank premises and fixed assets
  • $943Other real estate owned
  • $3,042Goodwill and other intangibles
  • $123,154Life insurance assets
  • $4,597All other assets
  • $110,036Total liabilities and capital
  • $100,658Total liabilities
  • $93,008Total deposits
  • $100,658Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,000Trading liabilities
  • $0Other borrowed funds
  • $378Subordinated debt
  • $13,118All other liabilities
  • $13,118Total equity capital
  • $13,118Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $10,626Surplus
  • $2,242Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,190Income earned, not collected on loans
  • $0Earning assets
  • $676Long-term assets (5+ years)
  • $107,376Average Assets, year-to-date
  • $10,412Average Assets, quarterly
  • $125,442Volatile liabilities
  • $123,281Insider loans
  • $83,961FHLB advances
  • $120,311Loans and leases held for sale
  • $2,341Unused loan commitments
  • $2,341Tier 1 (core) risk-based capital
  • $9,921Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,789Restructured Loans and leases
  • $460Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,867Total interest income
  • $1,387Total interest expense
  • $4,480Net interest income
  • $477Provision for loan and lease losses
  • $413Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $55Additional noninterest income
  • $3,742Total noninterest expense
  • $2,211Salaries and employee benefits
  • $646Premises and equipment expense
  • $885Additional noninterest expense
  • $674Pre-tax net operating income
  • $82Securities gains (losses)
  • $92Applicable income taxes
  • $664Income before extraordinary items
  • $0Extraordinary gains - net
  • $664Net income attributable to bank
  • $0Net charge-offs
  • $664Cash dividends
  • $355Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.39%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 5.03%Return on equity (ROE)
  • 0.48%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 134.37%Credit loss provision to net charge-offs
  • 3.24%Efficiency ratio
  • 76,068Assets per employee
  • 2.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.36%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 117.90%Noncurrent assets plus other real estate owned to assets
  • 1.73%Noncurrent loans to loans
  • 1.39%Net loans and leases to deposits
  • 83.49%Net loans and leases to core deposits
  • 86.49%Equity capital to assets
  • 10.65%Core capital (leverage) ratio
  • 8.25%Tier 1 risk-based capital ratio
  • 11.82%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $125,442Average earning assets
  • $13,211Average equity
  • $108,919Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015528Legacy Bank & Trust Company175 Johnstown Drive, Rogersville, MO 65742October 17, 1907Full Service Brick and Mortar
    1431996Mountain Grove Branch721 North Main Street, Mountain Grove, MO 65711October 06, 2003Full Service Brick and Mortar
    27931The Citizens Bank Of Sparta Branch7509 State Highway 14 East, Sparta, MO 65753August 20, 1919Full Service Brick and Mortar
    4487493Plato Branch10603 Hwy 32, Plato, MO 65552January 20, 2009Full Service Brick and Mortar

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