Call reports 2016
LEGACY BANK — 2016
What LEGACY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 323,732,000 | 333,681,000 | 328,008,000 | 328,744,000 |
| Total loans | 247,049,000 | 247,850,000 | 249,337,000 | 261,482,000 |
| Allowance for loan losses | 2,849,000 | 2,785,000 | 3,073,000 | 2,876,000 |
| Securities available for sale | 28,492,000 | 36,812,000 | 39,265,000 | 38,538,000 |
| Securities held to maturity | 781,000 | 782,000 | 496,000 | 426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,981,000 | 262,372,000 | 260,982,000 | 261,920,000 |
| Interest-bearing deposits | 201,746,000 | 213,645,000 | 209,350,000 | 212,375,000 |
| Noninterest-bearing deposits | 51,235,000 | 48,727,000 | 51,632,000 | 49,545,000 |
| Equity capital | 31,956,000 | 32,609,000 | 32,883,000 | 33,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,303,000 | 6,685,000 | 10,116,000 | 13,500,000 |
| Interest expense | 508,000 | 1,045,000 | 1,603,000 | 2,146,000 |
| Net interest income | 2,795,000 | 5,640,000 | 8,513,000 | 11,354,000 |
| Noninterest income | 472,000 | 929,000 | 1,405,000 | 1,876,000 |
| Noninterest expense | 2,059,000 | 4,220,000 | 6,429,000 | 8,496,000 |
| Provision for loan losses | 301,000 | 602,000 | 903,000 | 1,104,000 |
| Pretax income | 907,000 | 1,762,000 | 2,601,000 | 3,645,000 |
| Income tax | 348,000 | 642,000 | 924,000 | 1,298,000 |
| Net income | 559,000 | 1,120,000 | 1,677,000 | 2,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,811,000 | 32,377,000 | 32,749,000 | 33,423,000 |
| Total capital | 34,660,000 | 35,162,000 | 35,822,000 | 36,299,000 |
| Risk-weighted assets | 265,573,000 | 260,634,000 | 260,815,000 | 259,854,000 |