Call reports 2010
UNITED LEGACY BANK — 2010
What UNITED LEGACY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 172,011,000 | 194,515,000 | 197,982,000 | 183,003,000 |
| Total loans | 79,641,000 | 93,234,000 | 101,296,000 | 107,343,000 |
| Allowance for loan losses | 1,277,000 | 1,360,000 | 3,991,000 | 4,002,000 |
| Securities available for sale | 19,000,000 | 25,936,000 | 38,811,000 | 44,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,382,000 | 148,772,000 | 157,734,000 | 164,430,000 |
| Interest-bearing deposits | 119,058,000 | 137,349,000 | 144,890,000 | 152,225,000 |
| Noninterest-bearing deposits | 10,324,000 | 11,423,000 | 12,844,000 | 12,205,000 |
| Equity capital | 24,317,000 | 23,315,000 | 20,813,000 | 18,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,661,000 | 4,152,000 | 5,826,000 |
| Interest expense | 698,000 | 1,502,000 | 2,299,000 | 3,094,000 |
| Net interest income | 575,000 | 1,159,000 | 1,853,000 | 2,732,000 |
| Noninterest income | 138,000 | 238,000 | 357,000 | 436,000 |
| Noninterest expense | 1,267,000 | 2,722,000 | 4,286,000 | 8,312,000 |
| Provision for loan losses | 1,075,000 | 2,282,000 | 5,257,000 | 6,585,000 |
| Pretax income | -1,588,000 | -3,482,000 | -7,013,000 | -11,409,000 |
| Income tax | -537,000 | -1,242,000 | -2,560,000 | -4,186,000 |
| Net income | -1,051,000 | -2,240,000 | -4,453,000 | -7,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,844,000 | 21,950,000 | 18,309,000 | 14,589,000 |
| Total capital | 24,839,000 | 23,115,000 | 19,575,000 | 15,931,000 |
| Risk-weighted assets | 92,306,000 | 110,816,000 | 122,763,000 | 124,799,000 |
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