Call reports 2004
UNITED LEGACY BANK — 2004
What UNITED LEGACY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 60,069,000 | 67,783,000 | 71,252,000 | 71,621,000 |
| Total loans | 43,151,000 | 49,524,000 | 54,120,000 | 54,101,000 |
| Allowance for loan losses | 432,000 | 496,000 | 541,000 | 572,000 |
| Securities available for sale | 13,244,000 | 13,564,000 | 13,239,000 | 12,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,377,000 | 45,556,000 | 53,697,000 | 56,061,000 |
| Interest-bearing deposits | 38,976,000 | 37,677,000 | 45,683,000 | 47,457,000 |
| Noninterest-bearing deposits | 6,401,000 | 7,879,000 | 8,014,000 | 8,604,000 |
| Equity capital | 5,057,000 | 5,206,000 | 5,639,000 | 5,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,677,000 | 2,670,000 | 3,691,000 |
| Interest expense | 277,000 | 534,000 | 819,000 | 1,135,000 |
| Net interest income | 513,000 | 1,143,000 | 1,851,000 | 2,556,000 |
| Noninterest income | 90,000 | 213,000 | 311,000 | 450,000 |
| Noninterest expense | 707,000 | 1,374,000 | 2,070,000 | 2,804,000 |
| Provision for loan losses | 35,000 | 106,000 | 151,000 | 190,000 |
| Pretax income | -91,000 | -76,000 | -11,000 | 60,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -91,000 | -76,000 | -11,000 | 60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,051,000 | 5,866,000 | 5,853,000 | 6,092,000 |
| Total capital | 5,483,000 | 6,362,000 | 6,394,000 | 6,664,000 |
| Risk-weighted assets | 44,834,000 | 49,773,000 | 53,009,000 | 55,914,000 |
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