Call reports 2016
LEGACY BANK — 2016
What LEGACY 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 | 378,163,000 | 371,603,000 | 400,457,000 | 388,536,000 |
| Total loans | 285,389,000 | 289,448,000 | 303,214,000 | 317,696,000 |
| Allowance for loan losses | 4,088,000 | 3,799,000 | 4,346,000 | 4,758,000 |
| Securities available for sale | 20,006,000 | 29,762,000 | 27,903,000 | 25,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,419,000 | 310,342,000 | 335,461,000 | 319,673,000 |
| Interest-bearing deposits | 180,874,000 | 169,534,000 | 175,908,000 | 168,663,000 |
| Noninterest-bearing deposits | 132,545,000 | 140,808,000 | 159,553,000 | 151,010,000 |
| Equity capital | 42,739,000 | 43,673,000 | 44,509,000 | 44,762,000 |
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 | 3,337,000 | 6,774,000 | 10,366,000 | 14,200,000 |
| Interest expense | 269,000 | 528,000 | 787,000 | 1,045,000 |
| Net interest income | 3,068,000 | 6,246,000 | 9,579,000 | 13,155,000 |
| Noninterest income | 315,000 | 697,000 | 1,474,000 | 1,940,000 |
| Noninterest expense | 2,180,000 | 4,434,000 | 6,631,000 | 9,149,000 |
| Provision for loan losses | 0 | 0 | 500,000 | 900,000 |
| Pretax income | 1,203,000 | 2,527,000 | 3,922,000 | 5,064,000 |
| Income tax | 429,000 | 903,000 | 1,422,000 | 2,033,000 |
| Net income | 774,000 | 1,624,000 | 2,500,000 | 3,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,653,000 | 43,504,000 | 44,379,000 | 44,910,000 |
| Total capital | 46,478,000 | 47,303,000 | 48,294,000 | 48,998,000 |
| Risk-weighted assets | 305,806,000 | 304,344,000 | 312,752,000 | 326,380,000 |