Call reports 2013
LEGACY BANK — 2013
What LEGACY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 274,483,000 | 268,546,000 | 272,314,000 | 273,063,000 |
| Total loans | 205,604,000 | 213,035,000 | 208,742,000 | 214,332,000 |
| Allowance for loan losses | 3,433,000 | 3,745,000 | 3,900,000 | 4,021,000 |
| Securities available for sale | 30,949,000 | 28,236,000 | 32,592,000 | 31,128,000 |
| Securities held to maturity | 696,000 | 696,000 | 697,000 | 632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,492,000 | 222,337,000 | 225,129,000 | 223,730,000 |
| Interest-bearing deposits | 184,586,000 | 180,745,000 | 183,726,000 | 176,379,000 |
| Noninterest-bearing deposits | 43,906,000 | 41,592,000 | 41,403,000 | 47,351,000 |
| Equity capital | 27,787,000 | 27,951,000 | 28,224,000 | 28,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,050,000 | 6,122,000 | 9,229,000 | 12,255,000 |
| Interest expense | 445,000 | 884,000 | 1,320,000 | 1,734,000 |
| Net interest income | 2,605,000 | 5,238,000 | 7,909,000 | 10,521,000 |
| Noninterest income | 423,000 | 716,000 | 1,098,000 | 1,549,000 |
| Noninterest expense | 1,839,000 | 3,738,000 | 5,664,000 | 7,718,000 |
| Provision for loan losses | 302,000 | 603,000 | 755,000 | 906,000 |
| Pretax income | 887,000 | 1,613,000 | 2,588,000 | 3,446,000 |
| Income tax | 263,000 | 471,000 | 812,000 | 1,006,000 |
| Net income | 624,000 | 1,142,000 | 1,776,000 | 2,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,331,000 | 27,855,000 | 28,349,000 | 29,019,000 |
| Total capital | 30,057,000 | 30,630,000 | 31,098,000 | 31,820,000 |
| Risk-weighted assets | 217,369,000 | 220,994,000 | 218,783,000 | 222,837,000 |