Call reports 2014
LEGACY BANK & TRUST COMPANY — 2014
What LEGACY BANK & TRUST COMPANY 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 | 117,102,000 | 118,299,000 | 123,256,000 | 123,995,000 |
| Total loans | 91,951,000 | 98,684,000 | 104,329,000 | 106,801,000 |
| Allowance for loan losses | 1,605,000 | 1,607,000 | 1,685,000 | 1,663,000 |
| Securities available for sale | 4,549,000 | 4,410,000 | 4,150,000 | 3,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,081,000 | 97,293,000 | 99,556,000 | 99,191,000 |
| Interest-bearing deposits | 85,611,000 | 86,521,000 | 88,715,000 | 87,997,000 |
| Noninterest-bearing deposits | 10,470,000 | 10,772,000 | 10,841,000 | 11,194,000 |
| Equity capital | 13,393,000 | 13,459,000 | 13,568,000 | 13,671,000 |
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 | 1,333,000 | 2,739,000 | 4,222,000 | 5,749,000 |
| Interest expense | 187,000 | 375,000 | 563,000 | 758,000 |
| Net interest income | 1,146,000 | 2,364,000 | 3,659,000 | 4,991,000 |
| Noninterest income | 172,000 | 341,000 | 538,000 | 703,000 |
| Noninterest expense | 988,000 | 1,990,000 | 3,015,000 | 4,049,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 254,000 |
| Pretax income | 337,000 | 659,000 | 1,065,000 | 1,463,000 |
| Income tax | 114,000 | 225,000 | 363,000 | 504,000 |
| Net income | 223,000 | 434,000 | 702,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,363,000 | 10,429,000 | 10,553,000 | 10,659,000 |
| Total capital | 11,430,000 | 11,536,000 | 11,715,000 | 11,860,000 |
| Risk-weighted assets | 84,790,000 | 88,040,000 | 92,412,000 | 95,625,000 |
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