Call reports 2013
LEGACY BANK & TRUST COMPANY — 2013
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 121,349,000 | 118,075,000 | 115,981,000 | 114,763,000 |
| Total loans | 90,464,000 | 91,744,000 | 91,871,000 | 91,879,000 |
| Allowance for loan losses | 1,517,000 | 1,517,000 | 1,531,000 | 1,582,000 |
| Securities available for sale | 8,926,000 | 8,380,000 | 7,180,000 | 7,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,332,000 | 95,122,000 | 92,862,000 | 93,787,000 |
| Interest-bearing deposits | 88,815,000 | 85,428,000 | 83,232,000 | 84,083,000 |
| Noninterest-bearing deposits | 9,517,000 | 9,694,000 | 9,630,000 | 9,704,000 |
| Equity capital | 13,325,000 | 13,337,000 | 13,436,000 | 13,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,330,000 | 2,700,000 | 4,061,000 | 5,438,000 |
| Interest expense | 246,000 | 467,000 | 679,000 | 884,000 |
| Net interest income | 1,084,000 | 2,233,000 | 3,382,000 | 4,554,000 |
| Noninterest income | 182,000 | 379,000 | 576,000 | 770,000 |
| Noninterest expense | 939,000 | 1,889,000 | 2,822,000 | 3,773,000 |
| Provision for loan losses | 63,000 | 106,000 | 169,000 | 232,000 |
| Pretax income | 264,000 | 643,000 | 993,000 | 1,345,000 |
| Income tax | 85,000 | 217,000 | 337,000 | 461,000 |
| Net income | 179,000 | 426,000 | 656,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,165,000 | 10,268,000 | 10,352,000 | 10,285,000 |
| Total capital | 11,234,000 | 11,364,000 | 11,420,000 | 11,342,000 |
| Risk-weighted assets | 85,072,000 | 87,236,000 | 84,872,000 | 84,014,000 |