FDIC Certificate #: 23894 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Legends Bank (#12616) Federal Reserve ID: 817440 Date Established: July 03, 1982 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 13126 FDIC's unique #: 16693 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: July 03, 1982 Last Structure Change Effective Date: June 02, 2003 Last Structure Change Process Date: June 20, 2003 Last Data Update: June 20, 2003 Data Source Date: April 05, 2012
Location
Address: 602 East Highway 28, Owensville, MO 65066 County: Gasconade 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
Financial Summary
Total assets: $40.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
22Total employees (full-time equivalent)
$40,540Total assets
$1,798Cash and due from depository institutions
$17Interest-bearing balances
$6,268Securities
$3,398Federal funds sold & reverse repurchase agreements
$24,664Net loans & leases
$366Loan loss allowance
$0Trading account assets
$1,332Bank premises and fixed assets
$929Other real estate owned
$1,715Goodwill and other intangibles
$0Life insurance assets
$436All other assets
$40,540Total liabilities and capital
$34,383Total liabilities
$34,238Total deposits
$27,480Interest-bearing deposits
$34,238Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$145All other liabilities
$6,157Total equity capital
$6,157Total bank equity capital
$6,157Perpetual preferred stock
$0Common stock
$50Surplus
$6,072Undivided profits
Memoranda
$35Noncurrent loans and leases
$3,010Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$588Earning assets
$0Long-term assets (5+ years)
$173Average Assets, year-to-date
$34,347Average Assets, quarterly
$706Volatile liabilities
$40,590Insider loans
$39,324FHLB advances
$2,015Loans and leases held for sale
$1,093Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,010Total unused commitments
$0Restructured Loans and leases
$308Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$436Total interest income
$152Total interest expense
$284Net interest income
$6Provision for loan and lease losses
$38Total noninterest income
$0Fiduciary activities
$27Service charges on deposit accounts
$0Trading account gains & fees
$11Additional noninterest income
$250Total noninterest expense
$133Salaries and employee benefits
$37Premises and equipment expense
$80Additional noninterest expense
$66Pre-tax net operating income
$0Securities gains (losses)
$31Applicable income taxes
$35Income before extraordinary items
$0Extraordinary gains - net
$35Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$34Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.25%Yield on earning assets
0.43%Cost of funding earning assets
0.81%Net interest margin
0.11%Noninterest income to earning assets
0.71%Noninterest expense to earning assets
0.09%Net operating income to assets
0.09%Return on assets (ROA)
0.16%Pretax return on assets
0.76%Return on equity (ROE)
0.76%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
17.65%Credit loss provision to net charge-offs
2.12%Efficiency ratio
77,640Assets per employee
1.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
62.24%Noncurrent assets plus other real estate owned to assets
3.74%Noncurrent loans to loans
2.35%Net loans and leases to deposits
72.04%Net loans and leases to core deposits
76.54%Equity capital to assets
15.19%Core capital (leverage) ratio
11.84%Tier 1 risk-based capital ratio
18.08%Total risk-based capital ratio
Memoranda
$19Average assets
$40,590Average earning assets
$4,600Average equity
$34,992Average loans
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