Call reports 2015
LEGACY STATE BANK — 2015
What LEGACY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 69,632,000 | 71,120,000 | 71,732,000 | 72,054,000 |
| Total loans | 37,472,000 | 38,976,000 | 40,658,000 | 40,242,000 |
| Allowance for loan losses | 644,000 | 646,000 | 596,000 | 599,000 |
| Securities available for sale | 12,118,000 | 11,556,000 | 11,663,000 | 11,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,174,000 | 61,987,000 | 62,465,000 | 62,930,000 |
| Interest-bearing deposits | 32,484,000 | 32,683,000 | 33,327,000 | 32,774,000 |
| Noninterest-bearing deposits | 27,690,000 | 29,304,000 | 29,138,000 | 30,156,000 |
| Equity capital | 4,630,000 | 4,260,000 | 4,389,000 | 4,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 561,000 | 1,138,000 | 1,729,000 | 2,316,000 |
| Interest expense | 107,000 | 212,000 | 319,000 | 424,000 |
| Net interest income | 454,000 | 926,000 | 1,410,000 | 1,892,000 |
| Noninterest income | 48,000 | 121,000 | 177,000 | 250,000 |
| Noninterest expense | 608,000 | 1,235,000 | 1,805,000 | 2,442,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -68,000 | -147,000 | -175,000 | -251,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -68,000 | -147,000 | -175,000 | -251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,608,000 | 4,530,000 | 4,503,000 | 4,427,000 |
| Total capital | 5,252,000 | 5,176,000 | 5,099,000 | 5,026,000 |
| Risk-weighted assets | 60,310,000 | 60,764,000 | 62,819,000 | 61,613,000 |
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