Call reports 2005
UNITED LEGACY BANK — 2005
What UNITED LEGACY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,808,000 | 70,330,000 | 76,766,000 | 85,419,000 |
| Total loans | 56,628,000 | 54,753,000 | 58,589,000 | 63,399,000 |
| Allowance for loan losses | 602,000 | 611,000 | 620,000 | 659,000 |
| Securities available for sale | 11,246,000 | 10,947,000 | 13,334,000 | 15,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,298,000 | 60,288,000 | 66,518,000 | 67,134,000 |
| Interest-bearing deposits | 51,573,000 | 49,928,000 | 55,624,000 | 55,991,000 |
| Noninterest-bearing deposits | 10,725,000 | 10,360,000 | 10,894,000 | 11,143,000 |
| Equity capital | 7,582,000 | 7,879,000 | 7,673,000 | 7,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,145,000 | 3,291,000 | 4,579,000 |
| Interest expense | 334,000 | 687,000 | 1,101,000 | 1,613,000 |
| Net interest income | 718,000 | 1,458,000 | 2,190,000 | 2,966,000 |
| Noninterest income | 126,000 | 261,000 | 389,000 | 518,000 |
| Noninterest expense | 730,000 | 1,485,000 | 2,277,000 | 3,098,000 |
| Provision for loan losses | 43,000 | 53,000 | 63,000 | 102,000 |
| Pretax income | 14,000 | 124,000 | 182,000 | 227,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 14,000 | 124,000 | 182,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,916,000 | 8,026,000 | 8,084,000 | 8,129,000 |
| Total capital | 8,518,000 | 8,637,000 | 8,704,000 | 8,788,000 |
| Risk-weighted assets | 58,114,000 | 58,323,000 | 61,950,000 | 68,663,000 |
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