Call reports 2007
UNITED LEGACY BANK — 2007
What UNITED LEGACY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 124,345,000 | 139,415,000 | 157,442,000 | 138,443,000 |
| Total loans | 81,525,000 | 80,943,000 | 83,904,000 | 85,142,000 |
| Allowance for loan losses | 766,000 | 734,000 | 750,000 | 744,000 |
| Securities available for sale | 25,720,000 | 46,471,000 | 61,558,000 | 41,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,777,000 | 105,557,000 | 105,807,000 | 101,046,000 |
| Interest-bearing deposits | 87,402,000 | 96,819,000 | 96,325,000 | 92,688,000 |
| Noninterest-bearing deposits | 10,375,000 | 8,738,000 | 9,482,000 | 8,358,000 |
| Equity capital | 9,558,000 | 9,063,000 | 9,737,000 | 10,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,885,000 | 3,910,000 | 6,263,000 | 8,673,000 |
| Interest expense | 1,090,000 | 2,288,000 | 3,744,000 | 5,200,000 |
| Net interest income | 795,000 | 1,622,000 | 2,519,000 | 3,473,000 |
| Noninterest income | 171,000 | 358,000 | 534,000 | 705,000 |
| Noninterest expense | 994,000 | 1,990,000 | 2,987,000 | 4,065,000 |
| Provision for loan losses | 0 | 0 | 36,000 | 56,000 |
| Pretax income | -28,000 | -10,000 | 30,000 | 160,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -28,000 | -10,000 | 30,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,008,000 | 10,026,000 | 10,068,000 | 10,200,000 |
| Total capital | 10,774,000 | 10,759,000 | 10,818,000 | 10,944,000 |
| Risk-weighted assets | 94,424,000 | 98,672,000 | 103,232,000 | 101,519,000 |
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