Call reports 2009
UNITED LEGACY BANK — 2009
What UNITED LEGACY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 141,284,000 | 141,326,000 | 148,029,000 | 138,666,000 |
| Total loans | 90,903,000 | 88,505,000 | 84,918,000 | 81,193,000 |
| Allowance for loan losses | 1,054,000 | 1,065,000 | 1,323,000 | 1,277,000 |
| Securities available for sale | 28,128,000 | 19,807,000 | 17,032,000 | 14,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,141,000 | 114,071,000 | 122,127,000 | 113,931,000 |
| Interest-bearing deposits | 105,483,000 | 106,005,000 | 113,675,000 | 105,409,000 |
| Noninterest-bearing deposits | 7,658,000 | 8,066,000 | 8,452,000 | 8,522,000 |
| Equity capital | 9,009,000 | 8,485,000 | 7,477,000 | 6,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,301,000 | 4,668,000 | 6,028,000 |
| Interest expense | 1,025,000 | 2,030,000 | 2,944,000 | 3,705,000 |
| Net interest income | 648,000 | 1,271,000 | 1,724,000 | 2,323,000 |
| Noninterest income | 243,000 | 451,000 | 182,000 | 298,000 |
| Noninterest expense | 979,000 | 2,153,000 | 3,467,000 | 5,113,000 |
| Provision for loan losses | 171,000 | 329,000 | 814,000 | 902,000 |
| Pretax income | -259,000 | -760,000 | -2,120,000 | -3,139,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -259,000 | -760,000 | -2,120,000 | -3,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,196,000 | 8,697,000 | 7,337,000 | 6,318,000 |
| Total capital | 10,251,000 | 9,762,000 | 8,500,000 | 7,447,000 |
| Risk-weighted assets | 98,120,000 | 97,878,000 | 92,857,000 | 89,961,000 |
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