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 | 330,300,000 | 318,939,000 | 317,538,000 | 314,125,000 |
| Total loans | 128,358,000 | 124,229,000 | 122,174,000 | 123,294,000 |
| Allowance for loan losses | 2,922,000 | 1,392,000 | 1,418,000 | 1,534,000 |
| Securities available for sale | 124,237,000 | 112,038,000 | 133,993,000 | 131,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,817,000 | 249,168,000 | 247,186,000 | 246,510,000 |
| Interest-bearing deposits | 209,420,000 | 198,843,000 | 195,290,000 | 196,334,000 |
| Noninterest-bearing deposits | 50,397,000 | 50,325,000 | 51,896,000 | 50,176,000 |
| Equity capital | 69,776,000 | 69,250,000 | 69,369,000 | 66,707,000 |
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 | 2,606,000 | 5,020,000 | 7,211,000 | 9,372,000 |
| Interest expense | 226,000 | 447,000 | 669,000 | 892,000 |
| Net interest income | 2,380,000 | 4,573,000 | 6,542,000 | 8,480,000 |
| Noninterest income | 132,000 | 60,000 | 201,000 | 256,000 |
| Noninterest expense | 1,804,000 | 3,622,000 | 5,385,000 | 7,122,000 |
| Provision for loan losses | 0 | 1,431,000 | 1,943,000 | 3,030,000 |
| Pretax income | 708,000 | -420,000 | -593,000 | -1,429,000 |
| Income tax | 149,000 | 23,000 | -468,000 | -900,000 |
| Net income | 559,000 | -443,000 | -125,000 | -529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,462,000 | 68,445,000 | 68,762,000 | 67,709,000 |
| Total capital | 71,609,000 | 69,837,000 | 70,180,000 | 69,243,000 |
| Risk-weighted assets | 170,995,000 | 166,736,000 | 171,194,000 | 185,633,000 |