Call reports 2014
LEGACY BANK — 2014
What LEGACY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 287,830,000 | 288,397,000 | 293,503,000 | 296,017,000 |
| Total loans | 216,494,000 | 225,760,000 | 233,476,000 | 232,826,000 |
| Allowance for loan losses | 4,148,000 | 3,889,000 | 3,612,000 | 3,125,000 |
| Securities available for sale | 31,094,000 | 31,967,000 | 29,701,000 | 27,355,000 |
| Securities held to maturity | 633,000 | 633,000 | 634,000 | 564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,989,000 | 241,138,000 | 235,218,000 | 234,371,000 |
| Interest-bearing deposits | 192,959,000 | 191,681,000 | 192,633,000 | 191,289,000 |
| Noninterest-bearing deposits | 47,030,000 | 49,457,000 | 42,585,000 | 43,082,000 |
| Equity capital | 29,247,000 | 28,955,000 | 29,751,000 | 30,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,062,000 | 6,108,000 | 9,279,000 | 12,566,000 |
| Interest expense | 402,000 | 820,000 | 1,236,000 | 1,693,000 |
| Net interest income | 2,660,000 | 5,288,000 | 8,043,000 | 10,873,000 |
| Noninterest income | 306,000 | 326,000 | 684,000 | 992,000 |
| Noninterest expense | 1,981,000 | 3,995,000 | 6,068,000 | 8,156,000 |
| Provision for loan losses | 152,000 | 1,397,000 | 1,124,000 | 1,434,000 |
| Pretax income | 833,000 | 225,000 | 1,538,000 | 2,278,000 |
| Income tax | 242,000 | -18,000 | 453,000 | 705,000 |
| Net income | 591,000 | 243,000 | 1,085,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,198,000 | 28,856,000 | 29,674,000 | 30,168,000 |
| Total capital | 32,034,000 | 31,811,000 | 32,723,000 | 33,224,000 |
| Risk-weighted assets | 225,548,000 | 235,445,000 | 243,375,000 | 244,424,000 |