Call reports 2018
LEGACY BANK & TRUST COMPANY — 2018
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 226,988,000 | 237,832,000 | 248,581,000 | 252,063,000 |
| Total loans | 190,262,000 | 203,842,000 | 212,764,000 | 213,220,000 |
| Allowance for loan losses | 2,615,000 | 2,653,000 | 2,782,000 | 2,974,000 |
| Securities available for sale | 7,361,000 | 6,807,000 | 6,703,000 | 6,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,389,000 | 191,472,000 | 212,927,000 | 216,366,000 |
| Interest-bearing deposits | 168,625,000 | 167,494,000 | 187,937,000 | 188,053,000 |
| Noninterest-bearing deposits | 23,764,000 | 23,978,000 | 24,990,000 | 28,313,000 |
| Equity capital | 24,278,000 | 25,857,000 | 26,610,000 | 27,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,677,000 | 5,551,000 | 8,928,000 | 12,157,000 |
| Interest expense | 353,000 | 747,000 | 1,225,000 | 1,777,000 |
| Net interest income | 2,324,000 | 4,804,000 | 7,703,000 | 10,380,000 |
| Noninterest income | 365,000 | 1,188,000 | 1,671,000 | 2,821,000 |
| Noninterest expense | 1,809,000 | 3,607,000 | 5,570,000 | 7,718,000 |
| Provision for loan losses | 123,000 | 206,000 | 352,000 | 579,000 |
| Pretax income | 757,000 | 2,179,000 | 3,452,000 | 4,904,000 |
| Income tax | 180,000 | 526,000 | 835,000 | 1,194,000 |
| Net income | 577,000 | 1,653,000 | 2,617,000 | 3,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,415,000 | 22,019,000 | 22,816,000 | 23,594,000 |
| Total capital | 22,621,000 | 24,364,000 | 25,269,000 | 26,143,000 |
| Risk-weighted assets | 176,143,000 | 187,317,000 | 195,955,000 | 203,523,000 |