Call reports 2012
LEGACY BANK & TRUST COMPANY — 2012
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 123,829,000 | 124,203,000 | 117,893,000 | 118,502,000 |
| Total loans | 87,443,000 | 88,056,000 | 89,081,000 | 88,970,000 |
| Allowance for loan losses | 1,363,000 | 1,368,000 | 1,489,000 | 1,493,000 |
| Securities available for sale | 11,150,000 | 10,636,000 | 10,541,000 | 9,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,283,000 | 101,547,000 | 95,155,000 | 95,768,000 |
| Interest-bearing deposits | 92,827,000 | 90,576,000 | 86,666,000 | 86,925,000 |
| Noninterest-bearing deposits | 8,456,000 | 10,971,000 | 8,489,000 | 8,843,000 |
| Equity capital | 13,101,000 | 13,249,000 | 13,257,000 | 13,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 2,807,000 | 4,237,000 | 5,610,000 |
| Interest expense | 299,000 | 582,000 | 854,000 | 1,119,000 |
| Net interest income | 1,111,000 | 2,225,000 | 3,383,000 | 4,491,000 |
| Noninterest income | 170,000 | 372,000 | 478,000 | 669,000 |
| Noninterest expense | 944,000 | 1,859,000 | 2,802,000 | 3,725,000 |
| Provision for loan losses | 90,000 | 251,000 | 400,000 | 432,000 |
| Pretax income | 247,000 | 487,000 | 659,000 | 1,010,000 |
| Income tax | 71,000 | 142,000 | 196,000 | 305,000 |
| Net income | 176,000 | 345,000 | 463,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,887,000 | 10,062,000 | 10,035,000 | 10,132,000 |
| Total capital | 10,967,000 | 11,128,000 | 11,101,000 | 11,206,000 |
| Risk-weighted assets | 86,369,000 | 84,969,000 | 84,593,000 | 85,505,000 |