Call reports 2017
LEGACY BANK & TRUST COMPANY — 2017
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 163,027,000 | 167,018,000 | 173,495,000 | 167,867,000 |
| Total loans | 145,649,000 | 151,444,000 | 156,318,000 | 150,630,000 |
| Allowance for loan losses | 2,215,000 | 2,321,000 | 2,431,000 | 2,490,000 |
| Securities available for sale | 2,072,000 | 1,964,000 | 1,853,000 | 1,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,653,000 | 126,411,000 | 128,734,000 | 138,491,000 |
| Interest-bearing deposits | 112,112,000 | 112,224,000 | 110,246,000 | 113,778,000 |
| Noninterest-bearing deposits | 14,541,000 | 14,187,000 | 18,488,000 | 24,713,000 |
| Equity capital | 16,345,000 | 16,814,000 | 17,295,000 | 17,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,948,000 | 3,992,000 | 6,118,000 | 8,274,000 |
| Interest expense | 272,000 | 569,000 | 896,000 | 1,215,000 |
| Net interest income | 1,676,000 | 3,423,000 | 5,222,000 | 7,059,000 |
| Noninterest income | 320,000 | 540,000 | 765,000 | 972,000 |
| Noninterest expense | 1,167,000 | 2,318,000 | 3,489,000 | 4,759,000 |
| Provision for loan losses | 108,000 | 216,000 | 324,000 | 397,000 |
| Pretax income | 721,000 | 1,429,000 | 2,174,000 | 2,875,000 |
| Income tax | 255,000 | 495,000 | 759,000 | 1,097,000 |
| Net income | 466,000 | 934,000 | 1,415,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,357,000 | 13,826,000 | 14,308,000 | 14,220,000 |
| Total capital | 15,008,000 | 15,527,000 | 16,080,000 | 15,948,000 |
| Risk-weighted assets | 131,481,000 | 135,495,000 | 141,078,000 | 137,510,000 |