Call reports 2008
UNITED LEGACY BANK — 2008
What UNITED 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 | 143,662,000 | 144,361,000 | 134,147,000 | 135,769,000 |
| Total loans | 87,597,000 | 89,698,000 | 89,770,000 | 91,949,000 |
| Allowance for loan losses | 772,000 | 783,000 | 1,280,000 | 1,257,000 |
| Securities available for sale | 44,337,000 | 33,723,000 | 32,284,000 | 31,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,225,000 | 114,613,000 | 105,768,000 | 105,899,000 |
| Interest-bearing deposits | 80,286,000 | 106,611,000 | 96,983,000 | 97,882,000 |
| Noninterest-bearing deposits | 8,939,000 | 8,002,000 | 8,785,000 | 8,017,000 |
| Equity capital | 10,463,000 | 10,206,000 | 9,258,000 | 9,261,000 |
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 | 2,137,000 | 4,171,000 | 6,055,000 | 7,945,000 |
| Interest expense | 1,199,000 | 2,313,000 | 3,306,000 | 4,292,000 |
| Net interest income | 938,000 | 1,858,000 | 2,749,000 | 3,653,000 |
| Noninterest income | 166,000 | 419,000 | 535,000 | 622,000 |
| Noninterest expense | 1,016,000 | 2,106,000 | 3,127,000 | 4,271,000 |
| Provision for loan losses | 30,000 | 128,000 | 738,000 | 806,000 |
| Pretax income | 59,000 | 110,000 | -514,000 | -744,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 59,000 | 110,000 | -514,000 | -744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,258,000 | 10,309,000 | 9,685,000 | 9,456,000 |
| Total capital | 11,030,000 | 11,092,000 | 10,965,000 | 10,713,000 |
| Risk-weighted assets | 103,610,000 | 106,496,000 | 104,066,000 | 104,003,000 |
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