Call reports 2008
LEGACY BANK — 2008
What LEGACY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 193,751,000 | 205,133,000 | 205,259,000 | 211,982,000 |
| Total loans | 158,338,000 | 157,170,000 | 168,290,000 | 177,168,000 |
| Allowance for loan losses | 2,103,000 | 2,058,000 | 1,960,000 | 1,848,000 |
| Securities available for sale | 13,842,000 | 14,441,000 | 14,879,000 | 14,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,832,000 | 168,182,000 | 167,849,000 | 172,268,000 |
| Interest-bearing deposits | 125,683,000 | 136,997,000 | 138,872,000 | 143,255,000 |
| Noninterest-bearing deposits | 29,149,000 | 31,185,000 | 28,977,000 | 29,013,000 |
| Equity capital | 18,692,000 | 18,890,000 | 19,141,000 | 19,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,360,000 | 6,525,000 | 9,662,000 | 12,739,000 |
| Interest expense | 1,337,000 | 2,596,000 | 3,746,000 | 4,854,000 |
| Net interest income | 2,023,000 | 3,929,000 | 5,916,000 | 7,885,000 |
| Noninterest income | 445,000 | 827,000 | 1,166,000 | 1,562,000 |
| Noninterest expense | 1,756,000 | 3,523,000 | 5,264,000 | 7,050,000 |
| Provision for loan losses | 32,000 | 63,000 | 94,000 | 129,000 |
| Pretax income | 680,000 | 1,170,000 | 1,724,000 | 2,268,000 |
| Income tax | 224,000 | 381,000 | 554,000 | 729,000 |
| Net income | 456,000 | 789,000 | 1,170,000 | 1,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,488,000 | 18,820,000 | 19,077,000 | 19,447,000 |
| Total capital | 20,591,000 | 20,878,000 | 21,037,000 | 21,295,000 |
| Risk-weighted assets | 188,367,000 | 194,159,000 | 199,630,000 | 203,526,000 |
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