Call reports 2015
LEGACY BANK & TRUST COMPANY — 2015
What LEGACY BANK & TRUST COMPANY 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 | 127,141,000 | 130,130,000 | 138,040,000 | 143,960,000 |
| Total loans | 109,864,000 | 110,974,000 | 120,389,000 | 127,015,000 |
| Allowance for loan losses | 1,727,000 | 1,782,000 | 1,826,000 | 1,888,000 |
| Securities available for sale | 2,661,000 | 2,949,000 | 3,555,000 | 3,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,727,000 | 108,646,000 | 110,109,000 | 109,261,000 |
| Interest-bearing deposits | 94,576,000 | 96,754,000 | 97,853,000 | 98,630,000 |
| Noninterest-bearing deposits | 11,151,000 | 11,892,000 | 12,256,000 | 10,631,000 |
| Equity capital | 13,741,000 | 13,864,000 | 13,974,000 | 14,325,000 |
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 | 1,515,000 | 3,101,000 | 4,725,000 | 6,440,000 |
| Interest expense | 197,000 | 405,000 | 618,000 | 833,000 |
| Net interest income | 1,318,000 | 2,696,000 | 4,107,000 | 5,607,000 |
| Noninterest income | 234,000 | 496,000 | 705,000 | 932,000 |
| Noninterest expense | 1,079,000 | 2,136,000 | 3,221,000 | 4,322,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 255,000 |
| Pretax income | 410,000 | 930,000 | 1,402,000 | 1,962,000 |
| Income tax | 145,000 | 330,000 | 498,000 | 696,000 |
| Net income | 265,000 | 600,000 | 904,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,724,000 | 10,859,000 | 10,963,000 | 11,325,000 |
| Total capital | 11,940,000 | 12,115,000 | 12,335,000 | 12,786,000 |
| Risk-weighted assets | 97,028,000 | 99,964,000 | 109,267,000 | 116,442,000 |