FDIC Certificate #: 12459 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Legacy Bank & Trust Company (#22319) Federal Reserve ID: 369257 Date Established: August 20, 1919 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 11907 FDIC's unique #: 7931 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: January 01, 1934 Last Structure Change Effective Date: March 26, 2005 Last Structure Change Process Date: April 05, 2005 Last Data Update: April 05, 2005 Data Source Date: April 05, 2012
Location
Address: Main At Oak Street, Sparta, MO 65753 County: Christian 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)
Financial Summary
Total assets: $44.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
19Total employees (full-time equivalent)
$43,992Total assets
$1,033Cash and due from depository institutions
$44Interest-bearing balances
$8,134Securities
$1,778Federal funds sold & reverse repurchase agreements
$29,766Net loans & leases
$532Loan loss allowance
$0Trading account assets
$443Bank premises and fixed assets
$155Other real estate owned
$1,860Goodwill and other intangibles
$0Life insurance assets
$823All other assets
$43,992Total liabilities and capital
$39,439Total liabilities
$38,936Total deposits
$34,785Interest-bearing deposits
$38,936Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$503All other liabilities
$4,553Total equity capital
$4,553Total bank equity capital
$4,553Perpetual preferred stock
$0Common stock
$200Surplus
$4,325Undivided profits
Memoranda
$28Noncurrent loans and leases
$1,733Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$659Earning assets
$0Long-term assets (5+ years)
$294Average Assets, year-to-date
$39,722Average Assets, quarterly
$3,486Volatile liabilities
$45,910Insider loans
$45,935FHLB advances
$7,105Loans and leases held for sale
$13Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,733Total unused commitments
$0Restructured Loans and leases
$343Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$604Total interest income
$180Total interest expense
$424Net interest income
$61Provision for loan and lease losses
$77Total noninterest income
$0Fiduciary activities
$59Service charges on deposit accounts
$0Trading account gains & fees
$18Additional noninterest income
$387Total noninterest expense
$219Salaries and employee benefits
$39Premises and equipment expense
$129Additional noninterest expense
$53Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$53Income before extraordinary items
$0Extraordinary gains - net
$53Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$443Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.43%Yield on earning assets
0.43%Cost of funding earning assets
1.00%Net interest margin
0.18%Noninterest income to earning assets
0.92%Noninterest expense to earning assets
0.12%Net operating income to assets
0.12%Return on assets (ROA)
0.12%Pretax return on assets
1.10%Return on equity (ROE)
1.10%Retained earnings to average equity (YTD only)
1.38%Net charge-offs to loans
13.77%Credit loss provision to net charge-offs
0.26%Efficiency ratio
74,651Assets per employee
2.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.76%Loss allowance to noncurrent loans
80.73%Noncurrent assets plus other real estate owned to assets
1.85%Noncurrent loans to loans
2.18%Net loans and leases to deposits
76.45%Net loans and leases to core deposits
93.51%Equity capital to assets
10.35%Core capital (leverage) ratio
6.25%Tier 1 risk-based capital ratio
10.00%Total risk-based capital ratio
Memoranda
$11Average assets
$45,910Average earning assets
$4,836Average equity
$42,250Average loans
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