Call reports 2016
LEGACY BANK & TRUST COMPANY — 2016
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 150,745,000 | 153,723,000 | 153,660,000 | 156,334,000 |
| Total loans | 133,509,000 | 136,887,000 | 137,155,000 | 138,942,000 |
| Allowance for loan losses | 1,924,000 | 1,938,000 | 1,993,000 | 2,114,000 |
| Securities available for sale | 2,972,000 | 2,777,000 | 2,593,000 | 2,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,673,000 | 114,135,000 | 113,599,000 | 116,273,000 |
| Interest-bearing deposits | 99,012,000 | 102,696,000 | 102,197,000 | 103,599,000 |
| Noninterest-bearing deposits | 12,661,000 | 11,439,000 | 11,402,000 | 12,674,000 |
| Equity capital | 14,688,000 | 15,106,000 | 15,485,000 | 15,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,774,000 | 3,626,000 | 5,478,000 | 7,405,000 |
| Interest expense | 228,000 | 471,000 | 717,000 | 977,000 |
| Net interest income | 1,546,000 | 3,155,000 | 4,761,000 | 6,428,000 |
| Noninterest income | 193,000 | 385,000 | 604,000 | 815,000 |
| Noninterest expense | 1,133,000 | 2,222,000 | 3,354,000 | 4,485,000 |
| Provision for loan losses | 63,000 | 156,000 | 253,000 | 401,000 |
| Pretax income | 543,000 | 1,162,000 | 1,758,000 | 2,357,000 |
| Income tax | 186,000 | 396,000 | 608,000 | 790,000 |
| Net income | 357,000 | 766,000 | 1,150,000 | 1,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,682,000 | 12,091,000 | 12,475,000 | 12,892,000 |
| Total capital | 13,199,000 | 13,631,000 | 14,076,000 | 14,463,000 |
| Risk-weighted assets | 120,917,000 | 122,822,000 | 127,699,000 | 125,102,000 |