Call reports 2025
LEGACY BANK — 2025
What LEGACY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 804,180,000 | 817,728,000 | 832,071,000 | 825,888,000 |
| Total loans | 613,013,000 | 605,620,000 | 616,575,000 | 641,232,000 |
| Allowance for loan losses | 7,504,000 | 7,686,000 | 7,910,000 | 8,061,000 |
| Securities available for sale | 99,580,000 | 98,468,000 | 113,182,000 | 115,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 680,964,000 | 700,719,000 | 711,646,000 | 703,652,000 |
| Interest-bearing deposits | 523,303,000 | 532,812,000 | 547,310,000 | 537,157,000 |
| Noninterest-bearing deposits | 157,661,000 | 167,907,000 | 164,336,000 | 166,495,000 |
| Equity capital | 72,180,000 | 75,302,000 | 78,157,000 | 81,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,672,000 | 23,648,000 | 36,033,000 | 48,537,000 |
| Interest expense | 4,197,000 | 8,434,000 | 12,818,000 | 17,069,000 |
| Net interest income | 7,475,000 | 15,214,000 | 23,215,000 | 31,468,000 |
| Noninterest income | 629,000 | 1,401,000 | 2,285,000 | 2,964,000 |
| Noninterest expense | 4,664,000 | 9,671,000 | 14,754,000 | 19,975,000 |
| Provision for loan losses | 304,000 | 658,000 | 908,000 | 1,062,000 |
| Pretax income | 3,225,000 | 6,308,000 | 9,744,000 | 13,301,000 |
| Income tax | 772,000 | 1,516,000 | 2,340,000 | 3,196,000 |
| Net income | 2,453,000 | 4,792,000 | 7,404,000 | 10,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,471,000 | 81,869,000 | 83,701,000 | 86,459,000 |
| Total capital | 87,612,000 | 90,259,000 | 92,431,000 | 95,341,000 |
| Risk-weighted assets | 706,572,000 | 715,512,000 | 735,141,000 | 756,223,000 |