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


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
  • NoIDNameAddressEstablishedService TypeMap
    08012Legends Bank200 East Main Street, Linn, MO 65051March 17, 1913Full Service Brick and Mortar
    1227570Westphalia Branch1950 Highway 63, Westphalia, MO 65085June 07, 1973Full Service Brick and Mortar
    2227571East Main Branch1217 East Main Street, Linn, MO 65051March 10, 1986Limited Service Facility
    3227572Belle Branch204/206 Alvarado Avenue, Belle, MO 65013January 25, 1993Full Service Brick and Mortar
    41084Highway 50 Loose Creek BranchHighway 50 Loose Creek, Loose Creek, MO 65054April 28, 1905Full Service Brick and Mortar
    5189949Taos Branch8201 Highway M, Jefferson City, MO 65101August 25, 1986Full Service Brick and Mortar
    616693Owensville Branch602 East Highway 28, Owensville, MO 65066July 03, 1982Full Service Brick and Mortar
    7256801Bland Branch202 N Main, Bland, MO 65014December 01, 1984Full Service Brick and Mortar
    8256802Union Branch410 Hwy 50 East, Union, MO 63084Febuary 03, 1997Full Service Brick and Mortar
    9522280Rolla Branch600 Hwy 72 West, Rolla, MO 65401September 21, 2011Full Service Brick and Mortar

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