Legacy Bank & Trust Company

Legacy Bank & Trust Company is headquartered in Rogersville and is the 168^th largest bank in the state of Missouri. It is also the 4,379^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 48 employees at 4 locations. Legacy Bank & Trust Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics Legacy Bank & Trust Company FDIC Certificate # 22319 BankRate Report View Year Established 1907 Employees 48 Primary Regulator FED Assets and Liabilities Assets $123.83 million Loans $86.08 million Deposits $101.28 million Equity Capital $13.10 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $965,000 Real Estate Owned $1.72 million Historic Data - March 2011 Assets $127.46 million Equity Capital $13.16 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.15 million Real Estate Owned $2.24 million Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.57% Return on Equity 5.38% Interest Income $1.41 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Legacy Bank & Trust Company had $2.69 million in non-current loans and owned real-estate with $14.46 million in equity and loan loss allowances on hand to cover it. This gives Legacy Bank & Trust Company a Texas Ratio of 18.58% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Legacy Bank & Trust Company decreased slightly from 23.47% as of March 31, 2011 to 18.58% as of March 31, 2012, resulting in a positive change of 20.81%.This indicates that the balance sheet and financial strength for Legacy Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Legacy Bank & Trust Company has decreased its total deposits by -$3.57 million, resulting in -3.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Legacy Bank & Trust Company has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Legacy Bank & Trust Company has $123.83 million in assets with $14.46 million in equity, resulting in a capitalization level of 11.68%, which is above average.

No reviews have been left for this bank yet. Be the first to review.