Call reports 2006
UNITED LEGACY BANK — 2006
What UNITED LEGACY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 98,292,000 | 100,722,000 | 105,186,000 | 107,993,000 |
| Total loans | 66,195,000 | 70,446,000 | 71,899,000 | 76,611,000 |
| Allowance for loan losses | 687,000 | 709,000 | 719,000 | 767,000 |
| Securities available for sale | 22,001,000 | 20,959,000 | 22,007,000 | 21,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,975,000 | 83,174,000 | 77,203,000 | 73,469,000 |
| Interest-bearing deposits | 63,775,000 | 71,727,000 | 65,077,000 | 65,229,000 |
| Noninterest-bearing deposits | 11,200,000 | 11,447,000 | 12,126,000 | 8,240,000 |
| Equity capital | 7,380,000 | 7,046,000 | 9,481,000 | 9,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 3,124,000 | 4,843,000 | 6,604,000 |
| Interest expense | 693,000 | 1,522,000 | 2,461,000 | 3,321,000 |
| Net interest income | 820,000 | 1,602,000 | 2,382,000 | 3,283,000 |
| Noninterest income | 132,000 | 287,000 | 456,000 | 607,000 |
| Noninterest expense | 909,000 | 1,901,000 | 2,861,000 | 3,852,000 |
| Provision for loan losses | 40,000 | 62,000 | 95,000 | 137,000 |
| Pretax income | 3,000 | -74,000 | -118,000 | -99,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | -74,000 | -118,000 | -99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,133,000 | 8,057,000 | 10,014,000 | 10,034,000 |
| Total capital | 8,820,000 | 8,766,000 | 10,733,000 | 10,801,000 |
| Risk-weighted assets | 75,839,000 | 80,468,000 | 82,673,000 | 87,125,000 |
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