Call reports 2025
LEGACY STATE BANK — 2025
What LEGACY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 181,990,000 | 180,989,000 | 186,848,000 | 191,285,000 |
| Total loans | 124,434,000 | 129,814,000 | 132,940,000 | 134,231,000 |
| Allowance for loan losses | 1,484,000 | 1,582,000 | 1,642,000 | 1,662,000 |
| Securities available for sale | 32,545,000 | 31,678,000 | 31,385,000 | 40,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,364,000 | 155,827,000 | 160,684,000 | 164,525,000 |
| Interest-bearing deposits | 130,339,000 | 129,792,000 | 137,341,000 | 139,924,000 |
| Noninterest-bearing deposits | 25,025,000 | 26,035,000 | 23,343,000 | 24,601,000 |
| Equity capital | 20,247,000 | 20,801,000 | 21,751,000 | 22,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,447,000 | 5,143,000 | 7,870,000 | 10,717,000 |
| Interest expense | 873,000 | 1,756,000 | 2,707,000 | 3,682,000 |
| Net interest income | 1,574,000 | 3,387,000 | 5,163,000 | 7,035,000 |
| Noninterest income | 45,000 | 85,000 | 132,000 | 177,000 |
| Noninterest expense | 1,243,000 | 2,327,000 | 3,467,000 | 4,597,000 |
| Provision for loan losses | 50,000 | 148,000 | 208,000 | 228,000 |
| Pretax income | 338,000 | 1,009,000 | 1,632,000 | 2,399,000 |
| Income tax | 71,000 | 212,000 | 343,000 | 504,000 |
| Net income | 267,000 | 797,000 | 1,289,000 | 1,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,611,000 | 22,280,000 | 22,904,000 | 23,671,000 |
| Total capital | 23,244,000 | 24,011,000 | 24,695,000 | 25,482,000 |
| Risk-weighted assets | 146,019,000 | 148,067,000 | 152,659,000 | 157,884,000 |
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