Call reports 2019
LEGACY BANK & TRUST COMPANY — 2019
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 261,456,000 | 273,392,000 | 284,856,000 | 302,387,000 |
| Total loans | 223,031,000 | 241,840,000 | 249,780,000 | 269,071,000 |
| Allowance for loan losses | 3,144,000 | 3,281,000 | 3,425,000 | 3,429,000 |
| Securities available for sale | 5,893,000 | 5,391,000 | 5,074,000 | 4,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,902,000 | 232,431,000 | 243,127,000 | 259,581,000 |
| Interest-bearing deposits | 192,788,000 | 199,727,000 | 214,386,000 | 229,037,000 |
| Noninterest-bearing deposits | 28,114,000 | 32,704,000 | 28,741,000 | 30,544,000 |
| Equity capital | 29,343,000 | 29,650,000 | 30,390,000 | 30,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,233,000 | 6,792,000 | 10,452,000 | 14,235,000 |
| Interest expense | 610,000 | 1,282,000 | 2,040,000 | 2,847,000 |
| Net interest income | 2,623,000 | 5,510,000 | 8,412,000 | 11,388,000 |
| Noninterest income | 1,533,000 | 1,868,000 | 2,180,000 | 2,591,000 |
| Noninterest expense | 1,956,000 | 3,999,000 | 6,100,000 | 8,412,000 |
| Provision for loan losses | 204,000 | 337,000 | 480,000 | 573,000 |
| Pretax income | 1,996,000 | 3,042,000 | 4,012,000 | 4,994,000 |
| Income tax | 493,000 | 746,000 | 980,000 | 1,220,000 |
| Net income | 1,503,000 | 2,296,000 | 3,032,000 | 3,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,571,000 | 25,899,000 | 26,669,000 | 27,196,000 |
| Total capital | 28,272,000 | 28,827,000 | 29,698,000 | 30,399,000 |
| Risk-weighted assets | 215,681,000 | 233,889,000 | 241,925,000 | 256,071,000 |