Call reports 2016
LEGACY STATE BANK — 2016
What LEGACY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 72,333,000 | 80,601,000 | 78,857,000 | 77,491,000 |
| Total loans | 41,703,000 | 44,348,000 | 47,845,000 | 49,339,000 |
| Allowance for loan losses | 615,000 | 503,000 | 517,000 | 616,000 |
| Securities available for sale | 9,381,000 | 11,870,000 | 10,580,000 | 12,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,156,000 | 71,034,000 | 69,358,000 | 69,115,000 |
| Interest-bearing deposits | 32,773,000 | 34,275,000 | 32,675,000 | 33,055,000 |
| Noninterest-bearing deposits | 30,383,000 | 36,759,000 | 36,683,000 | 36,060,000 |
| Equity capital | 4,299,000 | 4,662,000 | 4,580,000 | 3,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 598,000 | 1,226,000 | 1,887,000 | 2,571,000 |
| Interest expense | 102,000 | 207,000 | 313,000 | 416,000 |
| Net interest income | 496,000 | 1,019,000 | 1,574,000 | 2,155,000 |
| Noninterest income | 59,000 | 479,000 | 507,000 | 361,000 |
| Noninterest expense | 688,000 | 1,314,000 | 1,983,000 | 2,655,000 |
| Provision for loan losses | 14,000 | 27,000 | 41,000 | 321,000 |
| Pretax income | -94,000 | 224,000 | 143,000 | -372,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -94,000 | 224,000 | 143,000 | -372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,333,000 | 4,651,000 | 4,569,000 | 4,055,000 |
| Total capital | 4,948,000 | 5,154,000 | 5,086,000 | 4,671,000 |
| Risk-weighted assets | 61,433,000 | 59,579,000 | 62,151,000 | 58,747,000 |