Legends Bank in city_name, state_name - Detailed Financial Reports, Location

Legends Bank in Linn, Missouri (MO)
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Legends Bank routing number info

Legends Bank - Overview

General
FDIC Certificate #: 12616
Status: Active
Federal Reserve ID: 865151
Bank Holding Company (Regulatory Top Holder): Linn Holding Company (RSSDID: 1119271, Location: Linn, MO)
Date Established: March 17, 1913
WWW: http://www.legendsbk.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 15693
FDIC's unique #: 8012
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 200 East Main Street, Linn, MO 65051
County: Osage
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Jefferson City, MO (#27620)
CBSA Metro Statistical Area: Jefferson City, MO (#27620)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $256.9 mil
Equity capital: $39.4 mil
Deposits held in domestic offices: $209.4 mil
Return on assets (ROA): 1.06% ($2.7 mil)
Quarterly return on assets: 0.84% ($2.2 mil)
Return on Equity (ROE): 7.08% ($2.8 mil)
Quarterly return on equity: 5.48% ($2.1 mil)
Net income: $2.7 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.58% ($4,059.1 mil)
Quarterly Pretax return on assets: 1.22% ($3,134.3 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
73Total employees (full-time equivalent)
$256,907Total assets
$13,611Cash and due from depository institutions
$8,257Interest-bearing balances
$58,296Securities
$5,030Federal funds sold & reverse repurchase agreements
$170,455Net loans & leases
$2,470Loan loss allowance
$0Trading account assets
$3,681Bank premises and fixed assets
$1,464Other real estate owned
$335Goodwill and other intangibles
$256,907Life insurance assets
$4,035All other assets
$217,533Total liabilities and capital
$209,377Total liabilities
$170,367Total deposits
$209,377Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,600Trading liabilities
$0Other borrowed funds
$556Subordinated debt
$39,374All other liabilities
$39,374Total equity capital
$39,374Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$12,847Surplus
$26,327Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,030Income earned, not collected on loans
$0Earning assets
$1,029Long-term assets (5+ years)
$242,038Average Assets, year-to-date
$9,537Average Assets, quarterly
$255,566Volatile liabilities
$255,864Insider loans
$171,126FHLB advances
$254,134Loans and leases held for sale
$576Unused loan commitments
$576Tier 1 (core) risk-based capital
$38,989Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$19,627Restructured Loans and leases
$60Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,633Total interest income
$1,458Total interest expense
$9,175Net interest income
$600Provision for loan and lease losses
$1,889Total noninterest income
$0Fiduciary activities
$1,208Service charges on deposit accounts
$0Trading account gains & fees
$681Additional noninterest income
$6,416Total noninterest expense
$4,006Salaries and employee benefits
$936Premises and equipment expense
$1,474Additional noninterest expense
$4,048Pre-tax net operating income
$0Securities gains (losses)
$1,346Applicable income taxes
$2,702Income before extraordinary items
$0Extraordinary gains - net
$2,702Net income attributable to bank
$0Net charge-offs
$2,702Cash dividends
$197Sale, conversion, retirement of capital stock, net
$434Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.38%Yield on earning assets
0.60%Cost of funding earning assets
3.78%Net interest margin
0.78%Noninterest income to earning assets
2.65%Noninterest expense to earning assets
1.06%Net operating income to assets
1.06%Return on assets (ROA)
1.58%Pretax return on assets
7.08%Return on equity (ROE)
5.95%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
304.57%Credit loss provision to net charge-offs
23.59%Efficiency ratio
57,990Assets per employee
3.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.06%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
81.52%Noncurrent assets plus other real estate owned to assets
1.75%Noncurrent loans to loans
1.75%Net loans and leases to deposits
81.41%Net loans and leases to core deposits
87.04%Equity capital to assets
15.33%Core capital (leverage) ratio
15.34%Tier 1 risk-based capital ratio
22.78%Total risk-based capital ratio
Memoranda
$24Average assets
$255,566Average earning assets
$38,140Average equity
$242,505Average loans

List of branches

10 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8012	Legends Bank	200 East Main Street, Linn, MO 65051	March 17, 1913	Full Service Brick and Mortar
1	227570	Westphalia Branch	1950 Highway 63, Westphalia, MO 65085	June 07, 1973	Full Service Brick and Mortar
2	227571	East Main Branch	1217 East Main Street, Linn, MO 65051	March 10, 1986	Limited Service Facility
3	227572	Belle Branch	204/206 Alvarado Avenue, Belle, MO 65013	January 25, 1993	Full Service Brick and Mortar
4	1084	Highway 50 Loose Creek Branch	Highway 50 Loose Creek, Loose Creek, MO 65054	April 28, 1905	Full Service Brick and Mortar
5	189949	Taos Branch	8201 Highway M, Jefferson City, MO 65101	August 25, 1986	Full Service Brick and Mortar
6	16693	Owensville Branch	602 East Highway 28, Owensville, MO 65066	July 03, 1982	Full Service Brick and Mortar
7	256801	Bland Branch	202 N Main, Bland, MO 65014	December 01, 1984	Full Service Brick and Mortar
8	256802	Union Branch	410 Hwy 50 East, Union, MO 63084	Febuary 03, 1997	Full Service Brick and Mortar
9	522280	Rolla Branch	600 Hwy 72 West, Rolla, MO 65401	September 21, 2011	Full Service Brick and Mortar

Legends Bank in Linn, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Legends Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Legends Bank in Linn, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Legends Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Legends Bank in Linn, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches