Call reports 2014
UNITED LEGACY BANK — 2014
What UNITED 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 | 229,299,000 | 233,522,000 | 229,398,000 | 227,116,000 |
| Total loans | 146,037,000 | 150,607,000 | 154,004,000 | 151,787,000 |
| Allowance for loan losses | 2,053,000 | 2,120,000 | 2,166,000 | 0 |
| Securities available for sale | 42,614,000 | 42,468,000 | 41,613,000 | 1,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,716,000 | 202,930,000 | 200,410,000 | 196,924,000 |
| Interest-bearing deposits | 155,645,000 | 154,163,000 | 147,764,000 | 148,812,000 |
| Noninterest-bearing deposits | 44,071,000 | 48,767,000 | 52,646,000 | 48,112,000 |
| Equity capital | 22,437,000 | 23,397,000 | 23,783,000 | 30,004,000 |
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 | 2,038,000 | 4,140,000 | 6,242,000 | 342,000 |
| Interest expense | 230,000 | 467,000 | 685,000 | 38,000 |
| Net interest income | 1,808,000 | 3,673,000 | 5,557,000 | 304,000 |
| Noninterest income | 112,000 | 247,000 | 368,000 | 22,000 |
| Noninterest expense | 1,596,000 | 3,218,000 | 4,798,000 | 293,000 |
| Provision for loan losses | 92,000 | 170,000 | 285,000 | 0 |
| Pretax income | 268,000 | 568,000 | 878,000 | 33,000 |
| Income tax | 100,000 | 214,000 | 331,000 | 15,000 |
| Net income | 168,000 | 354,000 | 547,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,905,000 | 20,481,000 | 20,819,000 | 18,731,000 |
| Total capital | 21,958,000 | 22,601,000 | 22,985,000 | 18,731,000 |
| Risk-weighted assets | 168,225,000 | 172,799,000 | 174,702,000 | 165,555,000 |
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