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 | 92,341,000 | 92,329,000 | 92,426,000 | 94,574,000 |
| Total loans | 62,908,000 | 64,315,000 | 66,046,000 | 66,747,000 |
| Allowance for loan losses | 926,000 | 926,000 | 956,000 | 966,000 |
| Securities available for sale | 5,062,000 | 4,277,000 | 4,042,000 | 4,518,000 |
| Securities held to maturity | 5,622,000 | 6,047,000 | 6,332,000 | 6,783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,392,000 | 85,301,000 | 85,361,000 | 87,318,000 |
| Interest-bearing deposits | 60,922,000 | 61,083,000 | 59,030,000 | 59,435,000 |
| Noninterest-bearing deposits | 24,470,000 | 24,218,000 | 26,331,000 | 27,883,000 |
| Equity capital | 6,716,000 | 6,715,000 | 6,793,000 | 6,951,000 |
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 | 822,000 | 1,679,000 | 2,558,000 | 3,464,000 |
| Interest expense | 46,000 | 92,000 | 137,000 | 185,000 |
| Net interest income | 776,000 | 1,587,000 | 2,421,000 | 3,279,000 |
| Noninterest income | 285,000 | 525,000 | 777,000 | 1,044,000 |
| Noninterest expense | 1,026,000 | 2,068,000 | 3,062,000 | 3,996,000 |
| Provision for loan losses | 30,000 | 40,000 | 60,000 | 80,000 |
| Pretax income | 5,000 | 17,000 | 76,000 | 260,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 17,000 | 76,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,614,000 | 6,650,000 | 6,709,000 | 6,893,000 |
| Total capital | 7,395,000 | 7,444,000 | 7,532,000 | 7,720,000 |
| Risk-weighted assets | 62,349,000 | 63,440,000 | 65,776,000 | 66,053,000 |