Call reports 2014
LEGACY STATE BANK — 2014
What LEGACY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,436,000 | 69,449,000 | 70,429,000 | 68,492,000 |
| Total loans | 39,345,000 | 39,635,000 | 37,418,000 | 36,598,000 |
| Allowance for loan losses | 823,000 | 825,000 | 720,000 | 641,000 |
| Securities available for sale | 12,090,000 | 11,222,000 | 10,696,000 | 11,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,498,000 | 60,481,000 | 61,363,000 | 59,622,000 |
| Interest-bearing deposits | 53,582,000 | 34,143,000 | 33,509,000 | 33,369,000 |
| Noninterest-bearing deposits | 8,916,000 | 26,338,000 | 27,854,000 | 26,253,000 |
| Equity capital | 4,036,000 | 4,068,000 | 4,155,000 | 4,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,113,000 | 1,680,000 | 2,241,000 |
| Interest expense | 111,000 | 220,000 | 330,000 | 441,000 |
| Net interest income | 441,000 | 893,000 | 1,350,000 | 1,800,000 |
| Noninterest income | 46,000 | 97,000 | 98,000 | 148,000 |
| Noninterest expense | 626,000 | 1,286,000 | 1,897,000 | 2,574,000 |
| Provision for loan losses | -1,081,000 | -1,081,000 | -1,260,000 | -1,260,000 |
| Pretax income | 950,000 | 796,000 | 879,000 | 706,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 950,000 | 796,000 | 879,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,295,000 | 4,140,000 | 4,222,000 | 4,050,000 |
| Total capital | 4,963,000 | 4,809,000 | 4,891,000 | 4,691,000 |
| Risk-weighted assets | 53,282,000 | 53,385,000 | 53,493,000 | 52,983,000 |