Call reports 2011
UNITED LEGACY BANK — 2011
What UNITED LEGACY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 199,223,000 | 193,331,000 | 186,737,000 | 195,182,000 |
| Total loans | 108,442,000 | 111,043,000 | 113,432,000 | 116,334,000 |
| Allowance for loan losses | 3,998,000 | 3,567,000 | 3,197,000 | 2,793,000 |
| Securities available for sale | 44,172,000 | 50,981,000 | 38,068,000 | 46,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,749,000 | 171,784,000 | 164,047,000 | 172,645,000 |
| Interest-bearing deposits | 160,269,000 | 154,580,000 | 144,317,000 | 151,394,000 |
| Noninterest-bearing deposits | 16,480,000 | 17,204,000 | 19,730,000 | 21,251,000 |
| Equity capital | 18,302,000 | 21,269,000 | 22,466,000 | 22,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,512,000 | 5,285,000 | 6,979,000 |
| Interest expense | 592,000 | 1,132,000 | 1,566,000 | 1,980,000 |
| Net interest income | 1,110,000 | 2,380,000 | 3,719,000 | 4,999,000 |
| Noninterest income | 94,000 | 158,000 | 273,000 | 365,000 |
| Noninterest expense | 1,460,000 | 3,043,000 | 4,598,000 | 5,952,000 |
| Provision for loan losses | 20,000 | 20,000 | 58,000 | 95,000 |
| Pretax income | -276,000 | -427,000 | -322,000 | -341,000 |
| Income tax | -89,000 | -130,000 | -75,000 | -67,000 |
| Net income | -187,000 | -297,000 | -247,000 | -274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,350,000 | 16,850,000 | 18,117,000 | 18,057,000 |
| Total capital | 15,955,000 | 18,577,000 | 19,761,000 | 19,747,000 |
| Risk-weighted assets | 125,989,000 | 136,316,000 | 129,984,000 | 134,127,000 |