Call reports 2015
LEGACY BANK — 2015
What LEGACY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 297,689,000 | 297,840,000 | 297,347,000 | 312,833,000 |
| Total loans | 237,404,000 | 234,883,000 | 237,041,000 | 242,746,000 |
| Allowance for loan losses | 3,107,000 | 3,183,000 | 3,483,000 | 2,551,000 |
| Securities available for sale | 26,581,000 | 28,785,000 | 28,704,000 | 27,974,000 |
| Securities held to maturity | 850,000 | 851,000 | 851,000 | 781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,841,000 | 243,272,000 | 237,037,000 | 246,929,000 |
| Interest-bearing deposits | 197,820,000 | 198,833,000 | 192,921,000 | 195,558,000 |
| Noninterest-bearing deposits | 42,021,000 | 44,439,000 | 44,116,000 | 51,371,000 |
| Equity capital | 30,815,000 | 30,655,000 | 31,113,000 | 31,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,167,000 | 6,297,000 | 9,583,000 | 12,900,000 |
| Interest expense | 442,000 | 897,000 | 1,358,000 | 1,841,000 |
| Net interest income | 2,725,000 | 5,400,000 | 8,225,000 | 11,059,000 |
| Noninterest income | 391,000 | 574,000 | 944,000 | 1,368,000 |
| Noninterest expense | 2,041,000 | 4,195,000 | 6,352,000 | 8,379,000 |
| Provision for loan losses | -23,000 | 743,000 | 1,044,000 | 1,371,000 |
| Pretax income | 1,134,000 | 1,072,000 | 1,810,000 | 2,721,000 |
| Income tax | 373,000 | 319,000 | 588,000 | 904,000 |
| Net income | 761,000 | 753,000 | 1,222,000 | 1,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,632,000 | 30,627,000 | 31,004,000 | 31,601,000 |
| Total capital | 33,739,000 | 33,767,000 | 34,116,000 | 34,152,000 |
| Risk-weighted assets | 252,308,000 | 251,148,000 | 248,562,000 | 255,875,000 |